FREEDom Cash Lenders

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A buy now, pay later-like plan through your credit card — like My Chase Plan or Citi Flex Pay — allows you to split a larger charge into monthly installments that are added onto your credit card bill. With Chase, you’ll pay a fixed monthly fee, while with Citi’s plan, you'll be charged interest. Many other major issuers offer some version of these plans. But whether you opt into an installment plan through your credit card or through a third-party buy now, pay later service, exercise caution. A September 2022 report from the Consumer Financial Protection Bureau identifies costly risks associated with these plans, including the likelihood of spending more and the risk of being unable to afford payments if you stack multiple loans at once.

A credit card with a 0% interest promotion on new purchases can give you a year or more, depending on the card, to pay down a balance interest-free. Just know that if you have any remaining debt when the promotion ends, you’ll begin to be charged the card’s usual interest rate.