Commentary

Demystifying Credit: Buy Now, Pay Later

Consumer/Commercial Leases, Consumer Loans & Credit Cards

Summary

This instalment of "Demystifying Credit" provides an introductory overview of buy now, pay later credit (BNPL) and its expanding presence in the European market, addressing the following questions:

-- What is BNPL?
-- How does it work?
-- What are the recent developments in BNPL securitisation in Europe and the UK?
-- What are the key risks and analytical considerations in rating transactions with exposure to BNPL loans?

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Demystifying Credit: Buy Now, Pay Later

Summary

Available Documents

Demystifying Credit: Buy Now, Pay Later

Contacts

Demystifying Credit: Data Centres

Quarterly Middle Market Credit Ratings Update: Downgrades Accelerate as Weak Borrowers Confront Challenges

Credit Estimate Snapshot: Private Credit Activity Cooling with Credit Quality Moving Toward B (low)

Demystifying Credit: Buy Now, Pay Later