Ireland’s Competition and Consumer Protection Commission (CCPC) is set to address an Oireachtas committee regarding the promotion of “buy now, pay later” (BNPL) schemes. The CCPC argues these instalment plans are frequently misrepresented as tools for financial management. Evidence suggests BNPL is disproportionately utilized by individuals already experiencing financial difficulties, potentially exacerbating their debt. The consumer watchdog will highlight concerns that these schemes can encourage overspending and lead to increased financial strain for vulnerable consumers. They are expected to urge greater regulation and clearer communication regarding the risks associated with BNPL services. The CCPC’s testimony aims to raise awareness of the potential pitfalls of these increasingly popular payment options.