I use it as credit, and I can choose to pay it back within a month with no interest, or extend it to three months for a small fee. As a student, this has made purchases much more affordable for me, especially because I can make bigger purchases when I really need them and then save up and pay later. It also lets me plan how I pay it back, instead of having to plan the purchase far in advance. It’s extremely simple to select this option at checkout, and it’s just as easy to extend the time or pay early. Review collected by and hosted on G2.com.

I don't like that this option cannot be used when I am paying installments for something. Also, I am unable to use this option in cases where the website does not charge me right away but puts a hold on my account to charge later. I also wish I could extend the payment date further out with additional fees, if needed. Review collected by and hosted on G2.com.