If you do any shopping online, you’ve no doubt seen offers to pay for that sweater or mattress in installments using services from Affirm, Afterpay, Klarna and other fintech companies. These “buy now, pay later” startups got a boost from the growth in online shopping during the pandemic. And the model is moving beyond retail to include things like rent, travel, even medical bills. Marketplace’s Amy Scott spoke with Sheridan Trent, a research analyst for the Strawhecker Group, a consulting firm that works with some “buy now, pay later” companies.