More Americans Took on Holiday Debt This Season, Owing an Average $1,249

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More Americans Took on Holiday Debt This Season, Owing an Average $1,249
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More than 1 in 3 consumers said they spent more than they could afford this holiday season, now owing an average of more than $1,200, according to a new LendingTree report.

now pay later has exploded in popularity with the rise in online shopping during the pandemic; however, studies show installment buying could encourage consumers to spend more than they can afford.

Although these programs let shoppers break their purchases into equal payments, often interest-free, there could be late fees, deferred interest or other penalties if you miss a payment., on the other hand, are one of the most expensive ways to borrow; with interest rates of more than 16%, on average. If you have bad credit, you'll pay even more: Roughly one-quarter of borrowers have an APR between 20% and 29%, LendingTree found, while 9% had an APR higher than 30%.

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