Buy Now, Pay Later — Transparency Simulator

Explore the true cost of different payment options. No fine print — just math you can see.

Your Purchase

Item price ($) Down payment ($)

Repayment months Credit score (simulated)

Rates & Settings

Affirm simple APR (%) Credit card APR (%)

Store financing APR (%) Promo months (deferred interest)

ℹ️ Educational model

Results

Pay Now Affirm (simple interest) Store financing (deferred) Credit card (compounding)

Option	Monthly Payment	Total Interest	Total Paid	Notes

This simulator illustrates differences between simple and compounding interest and a common deferred interest promo. Real offers vary by lender, partner, creditworthiness, and jurisdiction.