I'm calling it! This is the bottom !!!!!, page-258

That's an excellent point and my sentiment completely.

Just something I thought was worth mentioning you made me think about.

I've got access to a few lines of credit with Citibank via credit cards.

They offer installment options at 6.00% interest.

It's simple, reliable, easy to forecast, no fees associated, get the money within 24 hours and done.

Just an observation.

FWIW - I've never used any form of BNPL but love reading about them.

I do agree about the banks though, they're already encroaching but having said this some of the options from banks are garbage as there's so many fees but each to their own. The other thing about banks is that this will also go on your credit history even if it's something like CBA StepPay but many people don't know or care about this.

Cheers!