"The big-box retailer, which "isn’t exactly a grocery store but does sell food," has been partnered with the same fintech since 2022, allowing customers to use installment payments for purchases that include food. Commentators point out that using unregulated buy-now-pay-later options for necessities raises concerns about exploitation of financially strained shoppers, and that such plans typically don’t contribute to credit-building the way credit-card use can." - Amy McCarthy