Whether you’re giving a monthly subscription service or booking a vacation, read the fine print before you sign an agreement, or set up a recurring charge to your credit card. Some financing options are actually “leases” where you rent merchandise rather than buy it.

Financing can allow you to purchase gifts during the holidays and spread out payments. But make sure you understand all the terms and how it may increase the total cost of your purchase. 

Click here for a list of retailers that accept buy now, pay later services.