Buy Now, Pay Later Isn’t Bad – But It Might Not Be Right for You
At Camino, we believe in flexible, accessible, and responsible ways to pay. As the conversation around Buy Now, Pay Later continues to grow, so does the need for honest reflection about how it's being used, and sometimes, misused.
BNPL isn’t inherently a bad thing. If you fully understand how it works and stay on top of your repayments, you’re doing it right! For some, it’s a convenient budgeting tool. But for others, it’s becoming a slippery slope.
A recent Citizens Advice study revealed something troubling: 1 in 3 UK BNPL users have missed or made a late payment in the last year. That’s not a small number, and it signals a deeper issue. Many consumers don’t fully understand the terms they’re agreeing to. They’re enticed by “instant ownership” but unprepared for the financial commitment that follows.
Here’s the good news: you have other choices.
At Camino, we’re rethinking how payments should work. We offer a sustainable layaway model that puts control back in your hands. Want to pay over 1, 3, 6, or even 12 months? Great. We’ll hold your item until it’s paid off – no interest, no late fees, no hidden charges. It’s always free for the consumer. You choose what you want, set your timeline, and pay at your pace. Simple.
We’re here to make saving up feel as satisfying as checking out. Because if you can avoid debt and still get what you want? That’s the smarter choice.