If you are struggling to make repayments on any type of loan - BNPL or otherwise - you should seek help before things spiral out of control.

The government-backed, independent, MoneyHelper website, external has a guide to finding free debt advice near you, external.

It also suggests writing down exactly what you owe, to help plan how you will repay the money.

There are also tools to work out if you are receiving all the benefits and grants you are entitled to, and a bill prioritiser, external to show which payments to make first and what to do if you miss a payment.

You should also be sceptical of supposed debt solutions you might see on your social feeds.