AfterPay
If paying for every gift this year in full is stressing you out, AfterPay has your back. It is a buy now pay later feature that more than 85,000 online retailers use. Rather than paying the entire amount at checkout, AfterPay breaks down the payment into four installments with the first one being due at checkout and the others due every other week. So, if it’s a bigger purchase the payments still might be a substantial chunk of money, but it definitely takes off some financial stress when you’re feeling tight on money.
If the two-week installment period isn’t cutting it, you have the option to make the payments once a month. You won’t be charged any late fees or interest as long as you make each payment. If you do happen to miss a payment, you’re charged $10, and then another $7 after seven days of not paying.
AfterPay is available for free in the App Store and the Play store.