What is a BNPL affordability check?
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In short: Since May 2026 BNPL providers must assess whether you can afford repayments before lending — similar to other regulated consumer credit. They may ask about income, existing BNPL plans and credit commitments.
Content updated:
Failed affordability checks should result in declined checkout offers rather than unaffordable lending.
You can complain to the provider or Financial Ombudsman Service if you believe checks were inadequate.
Stacking several BNPL plans remains risky even if each passes individually — budget the combined monthly total.
Primary source: legislation.gov.uk/ukpga/1974/39
Part of our Banking & current accounts
This quick answer sits inside our wider banking & current accounts hub — with sub-guides, calculators and step-by-step explainers on the same topic.
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