PERSONAL FINANCE | ADVICE

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

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 or medical care, according to a poll from The Associated PressNORC Center for Public Aff airs Research.

Buy now, pay later loans were not previously reported to the three major credit reporting bureaus. But consumers soon will see the their impact o n their FICO credit scores.

Whether you're a first-time or recurring

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