{
  "id": 17706497,
  "title": "Don't get caught out by new Buy Now Pay Later rules",
  "url": "https://urgent.news/2026/11/01/dont-get-caught-out-by-new-buy-now-pay-later-rules-17706497",
  "topic": "business",
  "section": "Business",
  "published": "2026-11-01T23:34:49.000Z",
  "source": {
    "name": "BBC Business",
    "slug": "bbc-business",
    "url": "https://www.bbc.co.uk/news/articles/crpdgp4y017go?at_medium=RSS&at_campaign=rss"
  },
  "original_language": "en",
  "account": "Buy Now Pay Later (BNPL) lenders have introduced stricter affordability checks for transactions made since this summer. These checks are designed to ensure borrowers can afford the instalments before approving the loan. If a borrower fails the affordability test, their BNPL purchase will be blocked. To avoid this, consider slowing down your purchases, particularly expensive ones, and postpone non-essential buys. Review subscriptions to prevent reliance on BNPL to pay for other expenses. If you find your account closed or borrowing limit reduced, reach out to debt charities for assistance and food bank vouchers for essential purchases. For struggling borrowers, seek help before debt becomes unmanageable. The MoneyHelper website offers guides to finding free debt advice and managing benefits and grants. Be cautious of social media debt solutions, and avoid them.",
  "summary": "New affordability checks mean you could be blocked from using Buy Now Pay Later but here are ways to avoid it.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}