We\u2019ve all been there. You see a hoodie online and you want it\u2014 but it's\xa0$70 and that\u2019s a little more than you're comfortable spending.\nThen you spot it. Just below the price: Pay four interest-free payments of $17.50. And you think \u201cI have $17.50. That\u2019s nothing.\u201d We\u2019ve all been there. And if you\u2019ve clicked\u2014 don\u2019t despair because Nicole is here to give you the good, the bad, and the ugly on all those companies offering buy now, pay later, zero interest plans.