💳 BNPL Loans Will Now Impact Your Credit Score — Here’s What You Need to Know

FICO’s new credit scoring model is changing the rules for millions of Buy Now, Pay Later users.

How you handle your Buy Now, Pay Later (BNPL) loans will soon influence your credit score.
FICO has announced it will roll out new scoring models in 2025 that incorporate BNPL loan data — a first in credit history. This change matters because BNPL payment plans have exploded in popularity, especially among younger consumers and first-time credit users.

But will this help or hurt your financial standing? Let’s break it down.