'Buy now, pay later' schemes only take a couple of clicks to sign up to, but resolving an issue if something goes wrong might not be as straightforward. Which? explains your rights when using options like Klarna, Clearpay and Laybuy.
New research claims 'buy now, pay later' schemes such as Klarna and Clearpay can affect shoppers' credit ratings - but is this really true? Which? investigates.
M&S.com shoppers will be able to stagger payments interest-free over six weeks. But what are the risks of using this new option at the checkout?