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UK Buy Now Pay Later Explained: Klarna, Clearpay

UK Buy Now Pay Later (BNPL) services like Klarna, Clearpay, Laybuy split a purchase into instalments. Currently unregulated for most short-term variants but coming under FCA regulation from 2026. This guide covers the products, the rules, and the credit-file impact.

16 Jun 2026 · 7 min read
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