Hey you may be right. I just remember back in 2018 when I was finance broking that the people using BNPL were all low income earners.
Maybe the business has grown and has become a part of society. I have both a Zip and Afterpay account.
I haven't used zip in 3 years.
Afterpay I only used at xmas because I was protecting on hand cash.
But might end up using it soon for a bunch of car parts that I just don't want to use free cash on again.
This car is a bit of a money pit
Interest rates don't actually affect me at the moment. With the obvious exception of any company I buy anything from being affected and therefore passing on the costs.
