are you for real,that article links AfterPay to pay day loan,even with that type of loan if you are stupid to take out a loan that the interest rate is around %47 plus what sort of fool are they,payday loans are for cash,AfterPay is PRODUCT ONLY, you may have missed in that comment from choice suggests you get a credit card instead of using AfterPay,with credit cards you can get cash and product,I had a credit card years ago and I lost  my employment due to injuries in 1982 and ended up with 3 credit cards and no possibility of future employment I was placed on a disability pension BY GOVERNMENT DOCTORS in 1991 when I was 49yrs,I had apply for a $10,000 bank loan in 2005 and paid off the cards and then the bank loan and am now %100 free of debt since 2009, I now use a debit card and offers like AfterPay when I find stores that accept them,I think I may have had a lot more experience with debt than a hell of a lot of the people leaving comments here.