Terms of Use

Last updated: May 2026

Purpose of this site

True Cost of BNPL provides a free, publicly accessible calculator for estimating the cost of Buy Now Pay Later financing plans. The site exists to present fee data and APR calculations in a transparent, comparable format. Use of this site is free and requires no account or registration.

Not financial advice

Nothing on this site constitutes financial, legal, or investment advice. Calculator results are estimates based on publicly available provider fee schedules and standard APR formulas. They are intended to inform, not to direct any specific financial decision. Before completing any purchase using a BNPL service, verify all applicable fees and terms directly with your provider.

No warranty on accuracy

Provider fee structures change. While fee data is verified periodically against official provider sources, this site makes no guarantee that the information is current or complete at any given time. The "last verified" dates shown in the calculator reflect when each provider's fee schedule was last manually confirmed — not a real-time feed. Actual costs may differ from calculator estimates depending on your specific checkout terms, creditworthiness, and any promotions active at the time of purchase.

Third-party links

This site links to official BNPL provider fee pages, government publications, and other external sources. These links are provided for reference only. This site is not responsible for the accuracy, availability, or content of any third-party website. Links to provider fee pages do not constitute endorsement of those providers or their products.

No affiliate relationships

This site has no affiliate or referral relationships with any BNPL provider, financial institution, or credit product. Calculator results are not influenced by any commercial relationship. The site is monetized through Google AdSense display advertising only.

Limitation of liability

To the fullest extent permitted by applicable law, the owner of this site is not liable for any loss, cost, or damage arising from reliance on calculator results or any other information presented on this site. This includes, without limitation, any financial decisions made based on cost estimates shown here. Use of this site is at your own discretion.

Changes to these terms

These terms may be updated from time to time. The "last updated" date at the top of this page reflects the most recent revision. Continued use of the site constitutes acceptance of the current terms.