The introduction of buy now, pay later schemes such as ClearPay makes it easier for beauty fans to get their fix there and then, but relying on them could result in debt, leading to stress and anxiety. Richard Lane, Director of External Affairs at StepChange Debt Charity
says that while these options can be tempting, they are risky. "They are sources of quick and easy-to-obtain credit, but with options to 'pay later' or 'slice it', it can be all too easy to overestimate what you can afford. This is particularly true for young people, who are more likely to have insecure or irregular income, which can put them at greater risk of problem debt."