By ADRIANA MORGA and LUENA RODRIGUEZ-FEO VILEIRA

The Associated Press

NEW YORK Between rising prices and dwindling job growth, using “buy now, pay later” on everything from concert tickets to fast food deliveries is becoming increasingly appealing. But greater use could also mean greater trouble, as more people fall behind on repaying these loans.

Buy now, pay later loans gained popularity during the pandemic, especially among young people. While these loans can help you make large purchases without paying interest or undergoing a hard inquiry in your credit report, they can also easily be overused.

About 4 in 10 Americans under the age of 45 say they’ve used “buy now, pay later″ services when spending on entertainment or restaurant meals, or when paying for essentials like groceries o

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