: To qualify for these installment deals, shoppers generally needed a minimum single-receipt purchase of ₱5,000 . Some bank-specific promos occasionally lowered this threshold to ₱3,000 for select items. Review: Strengths vs. Limitations
: Most participating banks offered a standard 3-month 0% interest plan . Some seasonal promos extended this to 6 months for specific categories like school supplies or furniture. sm department store buy now pay later 2017
The 2017 BNPL experience at SM was characterized by two main features: the deferment of the first payment and interest-free installments. : To qualify for these installment deals, shoppers