A growing concern surrounds the use of “Paylater” services in Indonesia, a buy now, pay later scheme increasingly popular among young adults. The practice, marketed as a self-reward or convenient payment method, is raising alarms about potential debt accumulation. Experts warn that the ease of access and often-overlooked interest rates can quickly trap users in a cycle of debt, particularly when facing financial hardship. The appeal of instant gratification, coupled with aggressive marketing, encourages spending beyond one’s means. This trend is particularly worrying given the prevalence of missed work targets and workplace stress, as illustrated by a scenario of a user considering Paylater after a difficult day. Financial literacy and responsible lending practices are crucial to mitigate the risks associated with these services.