先買後付(英語：Buy now, pay later，簡稱BNPL)，是指消費者先購入某款商品，然後在未來某個日期再付款[1]。先買後付被視為一種短期融資方式和商業模式，因而也被稱為嵌入式金融[2]。有時候是金融機構先代表消費者向商家付款，然後消費者再向金融機構還款。[3]
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