Some shoppers struggling to cover their grocery bills have found a work around that lets them use buy now pay later services to cover food and other essentials at stores that don't actually offer the payment service.
The likes of After Pay, Laybuy and ZipPay, allow people to buy good or services now, but pay for them later in a series of instalments over several weeks.
Unlike credit cards there's no interest, but people can be charged late fees if they default.
Sandy Fage, the manager of the Whanganui Budget Advisory Service, speaks to Lisa Owen.
