As consumer finance evolves, so does the way players pay to play. “Buy Now, Bet Later” (BNBL) is the newest frontier in gambling payment models—blending fintech convenience with high-risk wagering. Modeled after “Buy Now, Pay Later” schemes in retail, BNBL lets users place bets on credit-like terms, raising serious questions about affordability, regulation, and addiction. This article dissects emerging BNBL models, evaluates their ethical implications, and explores how regulators, operators, and players are reacting to this potentially explosive innovation