New age "layaway" payment plans are taking over the shopping world! "Buy Now, Pay Later" loans as they are called (also called point-of-sale loans) are available now more than ever before as more and more customers turn to e-commerce and online shopping for their needs and wants. The most popular companies that offer these types of loans are Affirm & Afterpay. These loans allow customers to buy products now & pay later. But consumer advocates say to be very careful! Why the words of caution? Find out this and more in our latest episode of FinCap Friday: 

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About the Author

Yanely Espinal

Born and raised by Dominican, immigrant parents in Brooklyn, Yanely is a proud product of NYC public schools. She graduated from Fiorello H. LaGuardia High School in 2007 before going on to receive her bachelor's degree at Brown University in 2011. As a Teach For America corps member, Yanely taught third and fourth grade in Canarsie, Brooklyn. She received her master's degree from Relay Graduate School of Education in 2013. She spends her spare time making YouTube videos about personal finance on her channel, MissBeHelpful. Yanely also loves to dance, sew, paint, listen to podcasts, and babysit her 10 nieces and nephews!