Good Shepherd works at the coalface of women’s economic insecurity. Their financial programs – including financial counselling, financial capability and No Interest Loans (NILs) services – play a significant role in supporting the financial wellbeing of women and families.

For some time now, practitioners have been concerned about the growth and harms of Buy Now, Pay Later (BNPL). This report explores the use of BNPL among Good Shepherd clients, the impacts being seen from its use, and the role of BNPL in exploiting financial insecurity.