We’ve all wanted something that we can’t quite afford. If you’re low on funds and waiting for money to come in there are a multitude of borrowing options from overdrafts and loans, to credit card - so you don’t have to wait for the things you want

One of these options that has really taken off is the Buy now pay later market, where customers have the option to pay back money for their purchases and there’s no interest on the payments - provided the debts are cleared on time.

But is it too good be true? Join Evan Davis and his panel of experts to get to the bottom of the BNPL industry

GUESTS Alex Marsh, Head of Klarna UK Alice Tapper, financial journalist Sameer Pethe, Financial Services Partner, Kearney

PRODUCER Lucinda Borrell

SOUND Graham Puddifoot

EDITOR Hugh Levinson