The news: Affirm and FICO released findings from their yearlong study analyzing how buy now, pay later (BNPL) loans affect a consumer’s FICO score, per a press release.

• The majority of consumers in the study who recently obtained five or more Affirm BNPL loans ended the study with either higher scores or no score changes.
• Adding a consumer’s BNPL use had generally the same effect on their credit score as opening a new account.