You can get almost anything on a payment plan these days, no matter how small. There are platforms that do it natively.

Born too late to explore the planet. Born too soon to explore the galaxy. Born just in time to have your hotdog debt sent to collections.

You can’t buy the hotdog without the soda, so it’s still one fiddy :(

A few years ago I got a credit card that offered 6 or 9 month plans with no APR or fees for all purchases made in the first 15 days or so.

I got a $5 taco bell box and I split it into 9 payments just for fun

That is the whole allure of most Buy Now Pay Later schemes.

If you have average or good or better credit, they’ll offer you a plan with no actual interest.

But the catch is that if you miss a single payment, you get slammed with essentially fees, that functionally act as quite high to ludicrous levels of interest.

So, if you do a bunch of very small ‘not loans’… this significantly increases the chances you’ll forget one payment.

Also, generally, making successful BNPL payments doesn’t count as making a successful debt payment for the purposes of your credit report/score.

But if you just fuck it up totally, well then it goes to collections, and that significantly hurts your credit score.

… So, tldr, if you can actually use these successfully and never miss a payment, yeah the no interest is good, but if you make a single mistake, massive downsides for you… and this type of credit is targetted at people who tend to have an average stable checking account balance of ~$0.00, so they are statistically more likely to fuck up and make a mistake.