In 2022, most Americans are more interested in Buy Now, Pay Later (BNPL) plans than they were before the pandemic.  As the cost of dental and veterinary care continues to rise, fewer people are able to pay their bill up front.  Cash and debit payment options aren’t feasible for a significant portion of the country.  Meanwhile, credit cards charge fees and high interest rates.  Payments get more unmanageable the longer an individual keeps a balance on their card.