Jake Lilley
Senior Policy Advisor at FinCAP who provides expert commentary on consumer finance issues, including buy-now-pay-later impacts and affordability assessments.
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Mar 4, 2026 • 7min
People still in trouble with Buy Now Pay Later services
Jake Lilley, Senior Policy Advisor at FinCAP, explains how buy-now-pay-later traps people with interest-free framing, late fees and limited affordability checks. He discusses why small debts spiral into larger unaffordable debt, gaps in current regulations, and how some withdraw KiwiSaver to cover payments. International moves toward stricter checks are also covered.
