Nothing good comes for free, but it does come 75% off up-front. That’s the payment model for many of the buy-now, pay-later (BNPL) services that are springing up across businesses large and small – customers will often pay for the product in four smaller installments, forking over only a quarter of the asking price at checkout and coming up with the rest later.
It sounds sort of like how a credit card works, with the buyer receiving the product before the credit provider receives the payment....
https://www.freightwaves.com/news/bnpl-providers-not-charging-late-fees-may-face-consequences