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Nerdwallet
By Amrita Jayakumar
Published: October 16,2017

 

“Will that be cash, credit card or personal loan?”

The next time you shop online, you may be offered a new way to pay — a personal loan with fixed monthly payments. Instead of using cash or plastic at checkout, you would provide some personal information and get a loan in minutes.

Got your eye on a new living room set at Wayfair? Or maybe you’re booking your honeymoon on Expedia. Increasingly, shoppers at these sites and others are encountering payment options from third-party lending companies like Affirm, Bread, Klarna and Acima Credit.

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