This is what happens when Buy Now, Pay Later loans are folded into FICO scores

After a detailed study with Affirm, FICO is considering a scoring model that incorporates BNPL loans, offering the possibility of improved credit outcomes for diligent borrowers.

Buy Now, Pay Later (BNPL) loans have become increasingly popular in recent years—originations grew tenfold between 2019 and 2021, for instance. Last year, roughly 20% of American consumers used one to make a purchase.