The Hidden Cost of Buy Now Pay Later
BNPL services like Klarna, Afterpay, and Clearpay offer interest-free instalments — but missed or late payments can trigger fees, affect your credit file, and allow balances to accumulate without your realising. The FCA began regulating UK BNPL providers in 2024, requiring affordability checks, but the responsibility of tracking multiple open plans still falls on you.
Owdra's BNPL Tracker helps you see all open plans in one place, calculate remaining payments, and set calendar reminders — so a forgotten instalment never costs you a late fee.