There's a lot of pressure to take advantage of Black Friday deals, especially if you're on a strict budget this holiday season. Luckily, Black Friday itself doesn't need to be a singularly chaotic one-day event. In fact, Amazon's Black Friday Week and Cyber Monday will run from Nov. 20 through Dec. 1. This week will be a sweet spot for online shopping, a perfect time to secure holiday gifts for your loved ones and yourself. However, as you're scouring for the best deals, one payment option you'll want to reconsider is "buy now, pay later" financing.

What is “buy now, pay later?”

A “buy now, pay later” service is exactly what it sounds like: You can make a purchase immediately, and then pay for it through a series of installments over time. Although BNPL has some perks for breaking up a m

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