point-of-sale credit

Point-of-sale credit allows consumers to make a purchase and pay for it over time, usually through financing options provided directly at the checkout. Instead of paying the full amount upfront with cash or card, customers might use a store credit card, a buy now, pay later plan, or a small loan approved instantly. This helps make larger purchases more manageable by spreading the cost into smaller, scheduled payments. It offers convenience and flexibility, often with fixed terms, interest rates, or promotional offers, simplifying the purchasing process while maintaining transparency.