The trade-off with Afterpay is that she feels less guilty about shopping, even if it's just a sticky reframing of expenses. If spending $100 is a splurge, then an upfront cost of $25 seems much more manageable, especially if no interest fees are involved, unlike with credit cards. Most providers offer no-interest payment plans if the buyer pays off the product within four installments or a fixed period. But the fine print varies, as does the amount for late fees.