About True Cost of BNPL

True Cost of BNPL is an independent consumer research tool built to help shoppers understand the real cost of Buy Now Pay Later financing. The calculator translates a provider's published fee schedule into an effective APR and a total cost, including any late fees, and places that figure next to the equivalent cost on a credit card.

The site is not affiliated with any BNPL provider, lender, bank, or financial institution. It has no affiliate or referral relationships and receives no compensation tied to calculator results. Fee data is drawn from publicly published provider terms and consumer finance research, and is verified periodically rather than in real time. The goal is a neutral, comparable view of numbers that are often spread across separate terms-of-service pages.

Nothing here is financial advice. The calculator and articles present data and estimates so that a reader can reach their own conclusion about a specific purchase. Fees and terms change frequently — verify current details directly with your provider before committing.

Contact

Questions or corrections about the data used on this site are welcome: contact@truecostofbnpl.com. See the Data Sources page for the references behind each figure.