just realized how many ways you can split up grocery payments now if you're tight on cash. been looking into this buy now pay later stuff because food prices keep climbing and honestly who can afford to drop $200 on groceries in one go anymore? found like 4 main services that actually work at regular stores. affirm seems solid if you shop at walmart or target - no fees for their 4-payment plan which is nice. then there's afterpay if you want something super simple through an app, though it's more limited on where you can use it. paypal has their pay in 4 option too and they partnered with the big box stores so that covers most places. the one that surprised me was splitit - apparently you can use it literally anywhere your credit card works since it just splits your regular card payments. the catch though? you gotta actually stick to the payment schedule or these apps will hit you with late fees. and some have crazy interest rates if you mess up. so yeah, buy now pay later for food is definitely a thing now but you really need to read the terms carefully. not all of them build credit either which sucks if that's what you're hoping for. anyone else using these or still just putting groceries on a credit card?