Banky team Reviewed editorial answerBNPL services are a financial obligation and, therefore, may affect your ability to obtain a loan if they are registered with or visible to the lender, or included in your liability calculations.
Key points
Even if the monthly payment is small, multiple plans can increase your monthly burden.
Before applying for a new loan, combine all your current BNPL payments and calculate them along with your credit cards and other loans, rather than considering each service separately.