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: Major tech brands like HP (via Bread Pay) offer structured plans, such as 0% interest for 6–12 months on qualifying high-value purchases.

: Merchant partnerships are fluid; notably, Walmart shifted its primary partnership from Affirm to Klarna in 2025. Key Benefits for Tech Purchases

: PayPal remains the most-used service (29%), followed by Affirm (22%), Klarna (19%), and Afterpay (13%).