Burrito now, pay later

今日尝鲜,明日付账

Today, Explained

2025-06-26

27 分钟
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单集简介 ...

Americans are turning to "buy now, pay later" apps for purchases as small as a burrito—it’s a symptom of a larger national addiction to debt. This episode was produced by Miles Bryan and Gabrielle Berbey, edited by Amina Al-Sadi, fact-checked by Laura Bullard, engineered by Andrea Kristinsdottir and Patrick Boyd, and hosted by Noel King. Further reading: In This Economy? by Kyla Scanlon.Listen to Today, Explained ad-free by becoming a Vox Member: vox.com/members. Transcript at vox.com/today-explained-podcast. Photo of a Klarna holiday celebration by Slaven Vlasic/Getty Images for Klarna. Learn more about your ad choices. Visit podcastchoices.com/adchoices
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单集文稿 ...

  • There is one company that 90% of U.S. lenders check with before they decide whether to give you a loan for a house or for a car.

  • It's a credit rating agency called FICO.

  • Now this week, FICO announced that when it calculates your credit score,

  • it's going to include, for the first time ever, your buy now, pay later purchases.

  • Buy now, pay later companies are everywhere.

  • Klarna just partnered with DoorDash.

  • You can put a burrito on payments.

  • And if that seems unwise, well, Klarna's CEO told CNN, yes, he in fact agrees.

  • Like, why even offer that option?

  • Yes, and that is unwise.

  • I would not recommend anyone to put a burrito on pineapple letter, for clarity.

  • Coming up on Today Explained, is burrito now pay later a great deal, or just another debt trap?

  • How much is that burrito in the window?

  • With farna it comes home with me.

  • How much?

  • Support for the show today comes from New York Magazine.

  • Our colleagues, hello, New York Magazine,

  • is dropping a special Hamptons issue on June 23rd, spotlighting the personalities,

  • social scenes,

  • and shifting power dynamics that define the summer enclave alongside the season's most exciting new openings.