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What Are Affirm, Afterpay, Klarna and PayPal Pay in 4? How 'Buy Now, Pay Later' Plans Work
What Are Affirm, Afterpay, Klarna and PayPal Pay in 4? How 'Buy Now, Pay Later' Plans Work
How many times have you added items to your online shopping cart only to balk at the total? While staying within your budget is wise, if you need to make a purchase that you're considering charging or borrowing money for, a "buy now, pay later" service might be a smarter option.
BNPL companies like Affirm, AfterPay, Klarna and PayPal Pay in 4 work by offering you micro installment loans. This loan covers the cost of your purchase right away, and lets you repay the balance over time. These services have gained traction since the pandemic and today AfterPay has more than 16 million active users, followed by Affirm's 8.7 million, most of whom are millennials and Gen Z shoppers.
But what exactly are these installment plans and how are they different from credit cards and personal loans? Here's the breakdown of these alternative financing options and how to use them.
What are installment services?
If you've ever bought a car, a home or an education, you've probably used an installment loan. Installment loans are lump-sum loans that you pay off over a set amount of months or years. For products like cars and homes, they're often funded by well-known banks, like Chase or Wells Fargo.
Mini installment plans from companies like AfterPay and Affirm act like microloans for everyday purchases, like clothes, makeup, electronics and gym equipment (like Peloton). Affirm, for example, also supports unexpected purchases, like car repairs through YourMechanic. But unlike new car or home purchase loans, which you typically pay off over the course of many years, products and services financed through these services are typically paid off in a few weeks or months.
How do they work?
Each online installment plan offers different setups, but the gist is: You buy your item now, select the plan at checkout with a qualifying retailer, create an account and complete your purchase. With Klarna and AfterPay, you get your goods right away and then pay for them over four installment payments: one when you check out and typically every other week or once a month thereafter. Affirm has payment options that usually range from three to 12 months, although some plans have terms as high as 48 months.
For AfterPay, as long as you make your four payments, you won't get charged late fees. Klarna has different payment options and some of them charge interest. Affirm charges 0 to 30% interest depending on your payment plan.
To take advantage of an interest-free installment plan, you need to shop with retailers that support it. Anthropologie, DSW and Fenty Beauty are AfterPay partners, for example. You might see the installment service's logo when you're viewing a product, letting you know the partnership exists and you can select a payment plan at checkout. From there, you'll usually pay the first installment and the next one will come out about two weeks later. Otherwise, the product or service will arrive on time, just like it would if you paid in full at checkout.
You can also shop through each company's app. Affirm, AfterPay, PayPal and Klarna all have apps in the App Store and Google Play that let you shop, monitor your orders and make payments.
While they aren't like traditional loans, they're different from other types of alternative payment methods. For instance:
They aren't credit cards. A credit card is a revolving credit line that you get approved for. You use your card to pay for your purchase in full and then at the end of the billing period you'll pay off your bill or make payments until you pay it off in full. Typically, if you don't pay your balance off at the end of the billing period, interest will accrue, which can be 20% or more. CNET always recommends paying off your credit in full.
They aren't the same as layaway. Layaway is when you agree to pay off an item over the course of a few months and once you've paid it off, you can take it home. Layaway usually requires an upfront deposit and a service fee, and you don't get your goods until you've paid for them in full. Some installment plan companies require an upfront deposit, but you don't have to wait to get your item; you get it right away.
How does an installment service affect my credit score?
When you apply for a loan or a credit card, that hard credit check looks at your credit history to see if you're responsible enough with credit to lend to. With BNPL apps, there's no hard credit inquiry. If the app checks your credit, it'll be a soft credit check, which won't hurt your credit score. The services don't specify the credit score you need to shop with them.
If you aren't diligent with payments, your credit score might be affected. For most micro installment loans, you're required to make payments about every two weeks and in four total installments. So if you don't pay your bill on time, that triggers a late payment for some companies. The three major credit bureaus will get notified and you could see your credit score take a dip. Late payments are one of the biggest factors in determining your credit score, and a drop in that could hurt your chances of borrowing money in the future.
Penalties and fees vary by company. Affirm and PayPal do not charge late fees. AfterPay does, though these fees will not exceed 25% of the purchase amount. Klarna doesn't charge a late fee but if you don't make a payment when it's due, you can be blocked from using the site and app in the future. None of these services charge prepayment fees, so you won't get penalized for repaying your balance sooner.
Should I use BNPL services?
It depends on what kind of shopper you are and your mentality about money. Here are some pros and cons to consider:
Pros
You can buy items and services, even if you can't afford them right away:If you have things you need or want to buy, you're not obligated to pay full price at checkout. Micro installment loans let you pay out your purchase over a few weeks.
You don't need great credit to get approved:Most services do a soft credit check, which won't hurt your credit score . If you don't have great credit or a long credit history, this is a good alternative payment option.
It's simpler than a loan or credit card:If you've had trouble with credit cards or don't like using them, this is an easier method than applying for a credit card or personal loan. You can apply at checkout, whereas if you want a credit card or loan, you'll need to wait a few days before you can use those funds.
Cons
You might believe you're spending less:If you cringe at a $1,000 couch, seeing payments broken up into $250 every other week, for example, tricks you into believing you're paying less for an item. In reality, you're still paying the same amount and you're borrowing money to do it.
You may be charged interest or otherfees: Depending on the service you choose and the repayment plan you select, you could be charged interest. Affirm, for instance, offers interest rates between 0% and 30%. While this interest does not compound like a credit card, spreading payments for that $1,000 couch over 12 months at a 30% interest rate could end up costing you $169.76 in interest alone.
You might not get approved for the full amount: Your credit score may not preclude you from getting approved for a BNPL loan, but it's still a factor when determining your loan amount and interest rate (if applicable). That means, there's a chance you might not get approved for the full amount you're requesting.
It's still a loan:Remember you're still taking out a loan, even if you pay it off sooner than you would a traditional loan. Not paying on time could result in interest fees, late payment fees or not being able to use the service in the future.
While the convenience of delayed payment sounds appealing as a way to get something now, you're still on the hook for paying your bill in full. If you need something now but can't afford it, micro installment loans might be a good idea. But if you don't think you'll be able to afford payments, you may want to consider another payment method or waiting until you have cash on hand to make your purchase.
Correction, April 30: Affirm has 8.7 million users, more than we previously quoted. It also has repayment options ranging from three to 12 months, a shorter period than previously listed. Clarified that AfterPay does not charge late fees as long as you make four payments.
Elden Ring Boss Guide: How To beat Margit, Godrick, Radahn, and more
Elden Ring Boss Guide: How To beat Margit, Godrick, Radahn, and more
Elden Ring is out and like every other Souls-like game there are times when you confront a major foe who will put your survival skills to the test.
Elden Ring has the largest roster of bosses and secret encounters of any Souls-style game to date, and people are quickly figuring out how unforgiving these bad guys can be. So with that, we're offering a quick rundown of general tips to know when facing these bosses. Along with that, a guide on defeating some of the first major bosses of the game.
Check back with us in the coming days as we'll be adding more guides and tips on overcoming the big bads of The Lands Between.
General Boss tips
Learn Their Patterns
While every boss can be daunting, they each have a pattern that they follow rigorously. The most important thing you can learn when fighting enemies is how they move and what behaviors they follow. This knowledge can be a bit tough to learn, especially when you have swords and magic spells being hurled at your face. But once you do, you'll get a sense of how a boss' attacks work and what you can do to overcome them.
Don't Rely on Rolling Too Much
Rolling in Elden Ring is vital to every battle, but it's easy to abuse it. The move gives players a small window of invincibility on any attack, so it appears that spamming it would be the right answer to whatever scenario. Do not do this. FromSoftware purposely makes enemies' attacks reach a certain distance for when you roll. Bosses also have multiple quick and delayed attacks to throw off the timing of your rolls. Keep that in mind even in the heat of the battle.
If you need to roll, especially for boss battles, try rolling toward the boss. It sounds counterintuitive but the way FromSoftware designs boss attacks, going toward the boss helps you evade, as the expectation is for you to roll away. If there's one attack constantly hitting you when you roll away, that's when you need to roll forward.
Being Greedy is Dangerous
We know the feeling you can get when a particular foe gets caught in a vulnerable spot, and you want to keep attacking them. However, it's important not to be greedy in those moments. Before you know it, a boss can quickly recover and send you flying with a powerful counterattack. Always be mindful of the time it takes to attack. It's often better to go in for a couple of quick hits and back away to safety, even if there's time for another set of blows.
Make Sure to Use Your Summons
As players progress through the game, they'll receive more summons. These spirits can be somewhat weak and do minimal damage, but they distract the boss. These assists provide a small respite from the battle, allowing you to heal or set up a powerful charge or jumping attack. Calling on a summon should be the first thing players should do in a boss battle.
For the boss fights of legacy dungeons, there is usually a summon right next to the golden fog gate. Keep an eye out for an orange symbol on the ground as these fighters are powerful and can help you tremendously in these hard battles. You might need to find these NPCs within the dungeon before they will help.
Finish The Fight, Later
FromSoftware always finds ways to catch you off guard. An example is the Tree Sentinel, a big brute of a boss, in the game's first area. It's a powerful foe that can kill you in two hits. This encounter may give you the impression that you have to beat him at this moment, but trust us when we say that is not the case. You'll inevitably come across some foes that will knock you out in a quick fashion. While you can certainly try and figure a way to beat them, you're often better off just taking the hint and doing something better with your time. You can always come back later once you're stronger and get some revenge -- and those moments are always satisfying.
Now let's take a look at some specific bosses...
Margit, The Fell Omen
Margit, the Fell Omen can be a daunting foe to face in your first hours with the game.
From Software / Namco Bandai Games
This encounter is likely the first major boss you'll face in Elden Ring and they will certainly put you through your paces. The battle against Margit is, above all, a test of your dodging, attack skills and patience during a fight. Despite its size, Margit is highly mobile and can easily close the distance to land some hits on you if you aren't careful. The boss primarily uses their staff as a close-range weapon, striking with three-hit combo attacks and a harder two-handed blow that can drop your stamina fast if you try to block it. Margit will throw magic daggers at a distance at a range, and it's best to avoid them by dodging.
The best way to strike Margit is to hit them once they've finished performing their attacks. By looking at their attack patterns, you can have a window of opportunity to hit them with quick strikes. It's always better to stick and move rather than lay into them with a series of long combos. Go for brief 2-3 hits and then move away to avoid their follow-up attacks. And unless you have decent strength and endurance for your character, it's always better to roll out of the way of its attacks. Though if you have a shield with parry sub-ability -- and you're willing to take a risk -- you can stun Margit with a well-timed parry. However, if you miss the timing, you leave yourself open to a devastating attack.
Once you clear half its health, Margit enters a second phase where they'll pull out a massive hammer. While their patterns are still similar, Margit's extra aggression makes for a more tense fight. The best thing to do is stay composed and look at their patterns to find an opening. And always stick with dodging as opposed to blocking. If you try to block their hammer, you will lose your stamina and open yourself up for attack. Remember to stick and move, and keep your attacks brief when fighting Margit, and you will eventually defeat them.
If you're still struggling, another option to make the fight slightly easier: Visit the Murkerwater Cave dungeon, north of the Dragon Burnt Ruins. Inside the case, you'll encounter a boss named Patches, a recurring character from previous FromSoftware games. If you spare his life after he yields in combat, he will open up his inventory for purchase. One item he sells is Margit's Shackle, which will stun the boss during its first phase only, allowing you to go in for a series of strikes. This is a great way to overcome Margit if you need extra help with the fight
Godrick The Grafted
The battle against Godrick will be a real test of patience and resolve. It'd be best to bring in some back up for him.
FromSoftware / Namco Bandai Games
If you make it through Stormveil Castle, then you've already picked up skills and tactics when it comes to overcoming foes. However, the battle with Godrick is, by far, the biggest hurdle you'll need to overcome. As the first demi-god you'll fight, this fallen ruler of Stormveil Castle will pull out all the stops to take you out. Much like Margit, Godrick is speedy despite his size. But unlike Margit, Godrick has a larger arsenal of weapons and skills to use.
Before this fight, one thing you can do to make it easier is to summon an AI character. Nepheli, a traveling warrior, is someone you'll first meet in the Roundtable Hold, and you can find her again in Stormveil Castle near Godrick's location. If you speak with her, she will help you during the battle. Just outside the door to Godrick, you can see her summon sign. It's recommended you call in an assist in this fight, as having a backup will be a big help.
Like the previous fight, you'll need to watch Godrick's patterns to avoid their strikes. One attack to watch out for is a 360-degree wind attack that will encompass the immediate area of Godrick, damaging you and other allies if you stay close. It's important to watch for his tells and avoid his attacks once he gets them ready. It would be best to try to be more aggressive in this battle. Godrick has a lot of health, so playing it safe too long can exhaust you and resources, leading to a sudden defeat. Still, don't be greedy with your attacks.
During his 2nd phase, he'll take a more desperate tactic and graft the head of a dragon onto his arm and use it to attack you. This upgrade for him not only adds a new melee attack to his arsenal, but he can also use his new arm for breathing fire on you, which does considerable damage if you get hit. During this phase, the best thing to do is to keep a medium distance away from him, avoid his area of effect attacks, and then run to his blind spots when he pulls out the dragon head to breathe fire. The flames will only go in front of him, so running up to his side or behind him will protect you while also leaving him vulnerable for extended periods.
One of the important lessons this fight will impact is the importance of placement and position in a fight. Along with being a narrow bridge, the area also has a set of stairs on both sides. The elevation change can prove to be an advantage, as some of Godrick's attacks can miss you entirely if you get the high ground above him or below him. If you can be mindful of his attacks while also keeping your positional advantage, then you will be able to overcome Godrick with patience and a steady rhythm of attacks.
Red Wolf of Radagon
The battle with Red Wolf of Radagon will test if you can handle a foe adept at magic and close ranged combat.
FromSoftware / Namco Bandai Games
The battle with Red Wolf can be tough, due to how aggressive it is with close-range attacks and its set of long-range magic attacks. Like other major bosses, the Red Wolf is highly mobile, and uses that to its advantage with its attacks. Its deadliest attacks, by far, are the magic missiles, which are homing attacks that will tear right through your defenses and health. The Red Wolf also has a regular habit of priming up its magic spells and then using melee attacks to close the distance, adding further pressure on you. It can be tough to manage, and you'll likely face a quick death during your first attempts.
Thankfully, the Red Wolf doesn't have a second phase, so you'll see most of its patterns and tricks during the first couple minutes of the fight. The important thing to figure out is that the Red Wolf is very aggressive. Yet, that aggression can be used against it. Once it finishes attacking, it will leave itself vulnerable to counterattacks. Given the frequency of its attacks, you'll have plenty of opportunities to go in for quick hits -- provided you dodge its attacks without fail. Don't bother chasing after it; keep your distance and let it come to you. Once it has finished its attacks, strike it and back away. Keep this up for the remainder of the battle, and you will eventually come out on top.
Rennala, Queen of the Full Moon
Rennala is an incredibly powerful magic user, and can easily vaporize your character with her spells.
FromSoftware / Namco Bandai Games
The two-phased fight against magic-wielding Rennala is a bizarre one, but it's still a challenging fight. Unlike other bosses, Rennala likes to keep her distance, use spells, and summon monsters to tear through you. She'll start off with having her academy students fight for her, but once the battle continues, she'll take matters into her own hands -- and that's where things can quickly go south.
The first phase taking place in the library is a strange one. As you can see in the center of the room, Rennala is suspended in the air and it's impossible to reach her. The only way to bring her down is to find three different glowing gold students. They're hidden in the library, so you'll have to run through the area to search for them. Once you destroy three students, Rennala will fall to the ground in the center of the room, opening her up for attack. She won't stay down for long, though. Once enough damage has been done, she'll come back up, forcing you to repeat the previous steps. The biggest dangers in this phase of the fight is the magic that sends furniture hurling towards you, along with some devastating spells that will turn Renalla's students into missiles. The best thing to do is dodge through these attacks while searching for glowing students. After you deal enough damage, Renalla will then get serious.
This second phase is where the fight gets more dangerous. Rennala is an adept mage, and she'll keep her distance away from you while she sends out devastating magic attacks. Many of her spells are homing, which means you'll need to be extra careful when dodging and running towards to close the distance. Also, she'll call in help from her plethora of summoned monsters, many of which are common foes you've fought through the game thus far. These additional enemies are ultimately a distraction. If you focus too much on them, Renalla will snipe at you with her spells, spelling a quick defeat. If you die during this phase, you'll have to repeat the first one again.
The best way to defeat Renalla is to take note from previous bosses and be aggressive. While Renalla has some spells that push you away, she is very weak at close range and easily staggered with attacks. If you are a spellcaster, the best thing to do is to dodge her spells and then cast your own in quick succession. The key to winning this fight is to not hesitate and land your attacks when you see a window of opportunity. If you can keep it up, then you'll defeat Renalla in no time.
Godfrey, First Elden Lord
Roll forwards, not backwards!
From Software
Godfrey is the first required boss in Leyndell. He's a big golden brute with a giant axe. Luckily, his attacks, while powerful, are somewhat typical for a boss.
A good way to start off the fight is with a summon. If you haven't yet, visit the Fringefolk Hero's Grave, which is at the very start of the game behind a fog wall. Complete the dungeon and you'll receive Banished Knight Oleg who is a more powerful summon that can take quite a few hits from bosses.
As for strategy, the key to his Godfrey fight is to roll forwards, not backwards. Godfrey makes use of his giant axe to reach you as you roll back. If you see him winding up, it's like he's getting ready for a long-reaching attack which is when you want to roll forward. He'll also use this attack when you're backpedaling while trying to heal.
If there's an attack you want to be aware of it's his stomp. It comes out quickly and will stun just enough to combo into an axe swing if you don't move. If you see a stomp coming, try to use a shield to block the attack instead of rolling away since it can still catch you.
You'll want to attack when you roll forward into those long axe attacks and when you roll away from his jumping pound attack. In both cases, he takes an extra couple of seconds to reset himself leaving him open to attacks.
Morgott, The Omen King
If Margit gave you nightmares, Morgott is going to haunt you while you're awake. The Omen King is going to be the toughest challenge you've faced so far unless you have gained a substantial number of levels. Even then, this is far from an easy fight.
The good news is that you have an orange summon available right outside the golden fog: Melina. If you don't see her symbol, use a Furlcalling Finger Remedy to reveal it. She's going to be vital for the fight as she can heal you while also dealing and taking damage. You'll also be able to use one of your own ash summons, but it's best to save that for the second phase.
What's important in this battle is speed. Do not attempt long combos against Morgott. Their attacks are so quick, can do multiple hits and will be delayed in order to throw your timing off. What you want is to get in, do a quick jumping attack and run away. This is where having Melina helps because as soon as she becomes targeted, you can get a few more hits in as well as a jumping attack.
In this fight, rolling back is more ideal as Morgott doesn't have long reaching attacks. If you're far away, they can throw some daggers or a lance that can be easily blocked or dodge. If you see swords floating above, that's a big area-of-effect attack and you want to roll back and avoid any areas where they land.
Phase 2 starts when Morgott's health gets about halfway. They'll lean over and start coughing. This is your sign to run away because a big blast is about to happen. If you're clear, it's time to for an ash summon in order to get another target for Morgott.
In the second phase, Morgott does the same attacks, but whenever an attack is missed, a puddle of liquid will be left that will erupt a few seconds after so make sure to avoid them. Aside from that, keep the same strategy of jumping in for quick attacks and then getting out of range. Keep this up and Morgott will go down.
Starscourge Radahn
The battle with Radahn is one of Elden Ring's most bizarre and epic boss fights. Come in prepared.
FromSoftware / Bandai Namco Games
While not required to complete the main story, this battle against Starscoruge Radahn is one of Elden Ring's most epic boss encounters, and it's one you'll likely find yourself walking into unintentionally. Located just off from Redmane Castle in the Caelid region, the battle with Radahn will see you face off against a towering foe who wields a ludicrous amount of power. Along with that, you'll call in many support characters to help you in battle. It's truly a one-of-a-kind fight, but it's also quite unforgiving. One wrong move against Radahn can result in a quick and brutal defeat.
What makes this battle so difficult is that is Radahn's attack power and range are so high that he can easily kill you within seconds of the fight beginning. He wields a magic-infused bow and twin great swords that can tear through your defenses. Right at the beginning, you'll need to close the distance on Radahn while also taking the time to summon allies to the fight. During this part of the fight, he'll try to pick you off with his arrows, and they deal considerable damage. You'll need to stick with cover, using the piles of old weapons as a shield, and close the distance to Radahn. You'll need to jump on Torrent and begin your attack from here.
This battle has two phases, and you'll need to pick your moments to attack Radahn and make a quick exit to avoid his strikes. For more of a detailed breakdown of the battle against Radahn, check out deeper guide that details the fight and the best strategies you'll need to beat him.
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How to Set Up a VPN on Your Smart TV: 5 Easy Methods
How to Set Up a VPN on Your Smart TV: 5 Easy Methods
Most smart TVs aren't compatible with virtual private networks right out of the box, but pretty much any smart TV can be hooked up to a VPN. Even if your TV isn't of the smart variety, you may still be able to use a VPN on it -- as long as you have the right equipment.
One of the two big reasons why you may want to hook a VPN up to your smart TV is if you want to stream geographically restricted content. The other is if you want to keep your TV watching activities private and effectively hidden from your internet service provider.
There are a couple of different ways you can go about setting up your VPN to work with your TV. But which route you choose to take will depend on your personal preference, technical know-how, budget and what equipment you have on hand. We'll show you some of the ways you can set a VPN up on a TV and highlight why you would want to do so.
Why use a VPN on a TV?
Today's TVs aren't just for watching local network programming or cable TV. They're also for streaming video on demand from your go-to streaming providers.
The amount of streaming content available today might seem limitless already, but some content is regionally locked. If you're itching for more, or if the programming you want to watch isn't available in your country, you can use a VPN on your smart TV to spoof your location to access virtually any of the content you may want.
If, say, you're in the UK but you want to stream programming that's only available in the US, then you can hook your VPN up to your smart TV and connect to a server in the US. Since the VPN changes your IP address to a US IP address in the process, the streaming service you're visiting will assume you're in the US and serve up American programming, even if you're across the Atlantic. Just make sure to check with your streaming service of choice to confirm that using a VPN doesn't violate its terms of service. You don't want to risk losing access to your streaming account for any reason.
Even if unblocking geo-restricted video content on your smart TV isn't of particular interest to you, you may want to use a VPN on your TV as a way of preventing your ISP from being able to monitor your viewing habits or keep track of the internet activity being generated by your smart TV.
When you connect to a VPN, you establish an encrypted connection between your device and the internet via a VPN server in a remote location. This means that all of the internet traffic you're transmitting through that encrypted VPN connection is hidden from any entity with an intent to monitor your activity, including your ISP. When you hook up a VPN to your TV and connect to a VPN server, your ISP won't be able to see what you're watching or otherwise decipher any of the internet activity transmitted or received by your TV.
How to set up a VPN on a smart TV
Like any software or service, your first step here is to work backward from what's available for your operating system. The most VPN-friendly smart TV OSes are Amazon Fire TV and Google's Android TV and Google TV platforms. That said, if you use Roku, Apple TV or the built-in operating systems for Samsung, Vizio, LG or any other platform, you still have options.
Here are a few of the most practical ways you can go about hooking up a VPN to your smart TV.
If you have Fire TV
If you have one of Amazon's new Fire TVs, you'll be able to download your VPN directly to your TV, provided your VPN offers a Fire TV app. Not all VPNs offer compatibility with Amazon Fire devices, so you'll need to pick one that does if you decide to go this route. The VPNs we recommend that are compatible with Amazon Fire devices include Surfshark, NordVPN and ExpressVPN. If you don't already subscribe to one of those VPN providers, then go ahead and sign up and download the provider's app from the Amazon Appstore. (All three offer a 30-day money-back guarantee, so you can try each one risk-free to see which one works best for you).
Once you've downloaded the app and signed into your VPN account through your Amazon Fire TV, you can connect to a VPN server. As long as you're connected to the VPN on your Fire TV, you can unblock streaming content and hide your viewing habits from your ISP.
If you have an Android/Google TV
Similarly, if your smart TV runs on Google's Android operating system, then you can set up a VPN on your TV by simply downloading your VPN's app from the Play Store directly onto your TV. And even though Google is in the midst of rebranding Android TV as it transitions to a slicker, more user-friendly platform in Google TV, you'll still be able to access Android apps in the Play Store after you've upgraded to Google TV since it still runs Android under the hood.
What you'll need to do first is to get a VPN that works on Android, if you don't have one already. Then, navigate over to the Play Store on your Google TV, search for your VPN provider's app and download it. Once you've downloaded the VPN app to your TV, sign in and connect to a VPN server.
If you want to unblock US-only content, then you'll need to connect to a VPN server in the US, or to a server in the UK for UK-only content, and so on. If all you want to do is protect your TV watching privacy and prevent your ISP or other entities from monitoring your viewing activity, then we'd recommend connecting to a VPN server closest to your physical location, in order to achieve optimal connection speeds through your VPN.
The potentially more difficult (and more expensive) way
If your TV doesn't run on the Android operating system, then one of the ways you can set up a VPN on your smart TV is by running a VPN connection through a router. But proceed with caution. Not all routers support VPN connections, so if you don't already have one, you'll need to purchase a compatible router -- which can get pricey if you want a router that can handle the VPN connection and deliver a smooth streaming experience. Also, installing a VPN on your router (even if it is compatible) won't necessarily be plug-and-play, and you risk ruining your router or voiding its warranty if you botch the installation process.
Fortunately, the best VPN providers on the market do offer step-by-step instructions for router installations for a variety of VPN-compatible router models in their help sections and have support staff on hand to help you. So you don't have to go it alone completely, but the process still isn't entirely risk-free. If you don't want to complete the install yourself, some VPNs, through a company called FlashRouters, are happy to sell you routers with VPN compatibility already preinstalled on them. This could be the way to go if you don't want to risk installing it yourself, but keep in mind that you'll be paying a premium of probably about $100 to $150 over and above retail for your preconfigured VPN router.
So, once you've got your VPN successfully installed on your router and configured it with the servers you intend to use, you can go ahead and connect to a VPN server through your router firmware's dashboard. You'll want to make sure your TV is connected to your VPN router to ensure it's using the VPN connection and you're able to unblock the content you want and keep your TV viewing activity private.
See also: The Pros and Cons of Using a VPN on a Router
The resourceful way
If you don't have a Google TV or a VPN-compatible router, and don't intend to purchase either, you can use the equipment you have on hand to share your VPN connection with your smart TV.
You could accomplish this by running an ethernet cable from your computer to your smart TV. But on top of stringing a long wire from computer to TV, this method may require additional adapters, depending on what kinds of devices you have. Once you've got the connection between your TV and computer established, then connect to a VPN server on your computer and you're all set. The wired connection may not be the most practical solution, but it's an option.
The simplest and most practical way to go about this would be to use your laptop or desktop as a Wi-Fi hotspot and connect your TV to your computer wirelessly.
Note that if you're using MacOS, you'll need to manually set up the VPN on your Mac using either the L2TP or IKEv2 VPN protocol and connect your Mac to your router via an ethernet cable to share your VPN connection over Wi-Fi. Your VPN provider will have specific instructions on how to manually set up its service on your Mac.
On Windows:
Go to Settings -> Network & Internet -> Mobile hotspot
Click on Edit to set a network name and password for your hotspot
Select Wi-Fi under Share my internet connection over
Toggle the Mobile hotspot to the On position under Share my internet connection with other devices
Connect your smart TV to the hotspot you just created as you would any other Wi-Fi network and connect to your VPN on your PC
On Mac:
Connect your Mac to your Wi-Fi router using an ethernet cable (use an adapter if your Mac doesn't have an ethernet port)
Go to System Preferences -> Sharing
Click on Internet Sharing in the left panel
Select your VPN connection from the Share your connection from dropdown
In the To computers using box, check Wi-Fi
Click on Wi-Fi Options in the bottom-right corner
Set a network name and password for your hotspot, select WPA2 Personal in the Security field and click OK
Click on the box next to Internet Sharing in the left panel and click Start in the dialogue box that pops up
Connect your TV to the Wi-Fi hotspot you just created as you would any other Wi-Fi network and connect to your VPN on your Mac
The 'I don't have a smart TV' way
Even if you don't have a smart TV, you're in luck because you can set a VPN up on it if you're able to connect a streaming device like a Roku, Amazon Firestick or Google Chromecast to the TV. These ingenious little devices essentially turn any TV with an HDMI port into a smart TV, at a much lower cost than an actual smart TV.
Basically, you can use the methods listed above to connect a VPN to your TV -- and if you go with Chromecast with Google TV or Amazon Firestick then you can download the VPN directly via the Play Store or the Amazon Appstore, respectively. The only difference is that you'll use your streaming device's interface to connect to the VPN instead of directly via your TV interface. You'll still get all the privacy and unblocking benefits that a VPN offers if you decide to take this route, but only for content you watch through your streaming device.
Streaming devices like the ones offered by Roku and others can turn your ordinary TV into a smart TV.
Sarah Tew/CNET
Next steps
When you're thinking about setting up a VPN on your smart TV, there are a few things to consider. First of all, you'll want a VPN that provides fast speeds that are sufficient in supplying a smooth streaming experience free of buffering. You'll also want to make sure the VPN you select has servers located in the countries you want to unblock content from.
If you have a Google TV and intend to download the VPN app to your TV from the Play Store, then the VPN you go with will need to be Android-compatible. And your VPN will need to be Amazon Fire TV-compatible if you want to run the VPN directly on your Amazon Fire TV.
If you'd rather run the VPN through your router and connect your TV that way, then it's important to make sure your VPN supports router connections and has router setup guides that include your router of choice. It doesn't hurt for your VPN to have helpful, knowledgeable technical support, either, in case you need assistance with your setup.
You'll also want your VPN to provide the privacy protections necessary to keep your viewing habits private and safe from prying eyes.
The VPNs we recommend that fit the bill and check all those boxes include ExpressVPN, Surfshark, and NordVPN. Any of those options will get the job done for your unblocking and privacy needs on your smart TV.
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What Are Affirm, Afterpay, Klarna and PayPal Pay in 4? How 'Buy Now, Pay Later' Plans Work
What Are Affirm, Afterpay, Klarna and PayPal Pay in 4? How 'Buy Now, Pay Later' Plans Work
How many times have you added items to your online shopping cart only to balk at the total? While staying within your budget is wise, if you need to make a purchase that you're considering charging or borrowing money for, a "buy now, pay later" service might be a smarter option.
BNPL companies like Affirm, AfterPay, Klarna and PayPal Pay in 4 work by offering you micro installment loans. This loan covers the cost of your purchase right away, and lets you repay the balance over time. These services have gained traction since the pandemic and today AfterPay has more than 16 million active users, followed by Affirm's 8.7 million, most of whom are millennials and Gen Z shoppers.
But what exactly are these installment plans and how are they different from credit cards and personal loans? Here's the breakdown of these alternative financing options and how to use them.
What are installment services?
If you've ever bought a car, a home or an education, you've probably used an installment loan. Installment loans are lump-sum loans that you pay off over a set amount of months or years. For products like cars and homes, they're often funded by well-known banks, like Chase or Wells Fargo.
Mini installment plans from companies like AfterPay and Affirm act like microloans for everyday purchases, like clothes, makeup, electronics and gym equipment (like Peloton). Affirm, for example, also supports unexpected purchases, like car repairs through YourMechanic. But unlike new car or home purchase loans, which you typically pay off over the course of many years, products and services financed through these services are typically paid off in a few weeks or months.
How do they work?
Each online installment plan offers different setups, but the gist is: You buy your item now, select the plan at checkout with a qualifying retailer, create an account and complete your purchase. With Klarna and AfterPay, you get your goods right away and then pay for them over four installment payments: one when you check out and typically every other week or once a month thereafter. Affirm has payment options that usually range from three to 12 months, although some plans have terms as high as 48 months.
For AfterPay, as long as you make your four payments, you won't get charged late fees. Klarna has different payment options and some of them charge interest. Affirm charges 0 to 30% interest depending on your payment plan.
To take advantage of an interest-free installment plan, you need to shop with retailers that support it. Anthropologie, DSW and Fenty Beauty are AfterPay partners, for example. You might see the installment service's logo when you're viewing a product, letting you know the partnership exists and you can select a payment plan at checkout. From there, you'll usually pay the first installment and the next one will come out about two weeks later. Otherwise, the product or service will arrive on time, just like it would if you paid in full at checkout.
You can also shop through each company's app. Affirm, AfterPay, PayPal and Klarna all have apps in the App Store and Google Play that let you shop, monitor your orders and make payments.
While they aren't like traditional loans, they're different from other types of alternative payment methods. For instance:
They aren't credit cards. A credit card is a revolving credit line that you get approved for. You use your card to pay for your purchase in full and then at the end of the billing period you'll pay off your bill or make payments until you pay it off in full. Typically, if you don't pay your balance off at the end of the billing period, interest will accrue, which can be 20% or more. CNET always recommends paying off your credit in full.
They aren't the same as layaway. Layaway is when you agree to pay off an item over the course of a few months and once you've paid it off, you can take it home. Layaway usually requires an upfront deposit and a service fee, and you don't get your goods until you've paid for them in full. Some installment plan companies require an upfront deposit, but you don't have to wait to get your item; you get it right away.
How does an installment service affect my credit score?
When you apply for a loan or a credit card, that hard credit check looks at your credit history to see if you're responsible enough with credit to lend to. With BNPL apps, there's no hard credit inquiry. If the app checks your credit, it'll be a soft credit check, which won't hurt your credit score. The services don't specify the credit score you need to shop with them.
If you aren't diligent with payments, your credit score might be affected. For most micro installment loans, you're required to make payments about every two weeks and in four total installments. So if you don't pay your bill on time, that triggers a late payment for some companies. The three major credit bureaus will get notified and you could see your credit score take a dip. Late payments are one of the biggest factors in determining your credit score, and a drop in that could hurt your chances of borrowing money in the future.
Penalties and fees vary by company. Affirm and PayPal do not charge late fees. AfterPay does, though these fees will not exceed 25% of the purchase amount. Klarna doesn't charge a late fee but if you don't make a payment when it's due, you can be blocked from using the site and app in the future. None of these services charge prepayment fees, so you won't get penalized for repaying your balance sooner.
Should I use BNPL services?
It depends on what kind of shopper you are and your mentality about money. Here are some pros and cons to consider:
Pros
You can buy items and services, even if you can't afford them right away:If you have things you need or want to buy, you're not obligated to pay full price at checkout. Micro installment loans let you pay out your purchase over a few weeks.
You don't need great credit to get approved:Most services do a soft credit check, which won't hurt your credit score . If you don't have great credit or a long credit history, this is a good alternative payment option.
It's simpler than a loan or credit card:If you've had trouble with credit cards or don't like using them, this is an easier method than applying for a credit card or personal loan. You can apply at checkout, whereas if you want a credit card or loan, you'll need to wait a few days before you can use those funds.
Cons
You might believe you're spending less:If you cringe at a $1,000 couch, seeing payments broken up into $250 every other week, for example, tricks you into believing you're paying less for an item. In reality, you're still paying the same amount and you're borrowing money to do it.
You may be charged interest or otherfees: Depending on the service you choose and the repayment plan you select, you could be charged interest. Affirm, for instance, offers interest rates between 0% and 30%. While this interest does not compound like a credit card, spreading payments for that $1,000 couch over 12 months at a 30% interest rate could end up costing you $169.76 in interest alone.
You might not get approved for the full amount: Your credit score may not preclude you from getting approved for a BNPL loan, but it's still a factor when determining your loan amount and interest rate (if applicable). That means, there's a chance you might not get approved for the full amount you're requesting.
It's still a loan:Remember you're still taking out a loan, even if you pay it off sooner than you would a traditional loan. Not paying on time could result in interest fees, late payment fees or not being able to use the service in the future.
While the convenience of delayed payment sounds appealing as a way to get something now, you're still on the hook for paying your bill in full. If you need something now but can't afford it, micro installment loans might be a good idea. But if you don't think you'll be able to afford payments, you may want to consider another payment method or waiting until you have cash on hand to make your purchase.
Correction, April 30: Affirm has 8.7 million users, more than we previously quoted. It also has repayment options ranging from three to 12 months, a shorter period than previously listed. Clarified that AfterPay does not charge late fees as long as you make four payments.
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Home Equity Loan Rates for September 2022
Home Equity Loan Rates for September 2022
With record-breaking home appreciation seen throughout the pandemic, most homeowners have more equity in their homes now compared to two years ago. If you need access to funds for a renovation project, education expenses or even debt consolidation, tapping into your home's equity could provide you with a lower-rate financing option. A home equity loan, which lets you borrow money against the equity you've built in your home, provides you with a lump sum of cash at a fixed interest rate.
Home equity loans may be particularly appealing in the current economic climate. Mortgage rates overall have gone up more than 2% since the beginning of the year. Even though rates recently dipped as the Federal Reserve increased its benchmark interest rate for the fourth time this year in an attempt to combat rising inflation, home equity loans still tend to offer lower interest rates than other types of loans. That's a significant benefit for anyone looking for financing at a time when it's uncertain how much rates will fluctuate moving forward.
This type of financing may make sense if you own a home and have at least 15% to 20% of equity built up in your home. Unlike a home equity line of credit, or HELOC, you'll receive the sum of the loan upfront in one lump payment if you're approved.
A home equity loan is a lower interest rate financing option, but it's not without risk. When you secure a home equity loan, your home acts as collateral, which means you could lose your home if you're unable to repay what you borrowed. It's important to carefully consider whether a home equity loan is right for you before applying for financing.
Here's everything you should know about home equity loans, how they work, who they're best for and how they compare to other loan options.
What is a home equity loan?
A home equity loan offers you a lump sum of cash you borrow against the equity built in your house. Tapping into your home's equity means you are borrowing against the mortgage payments you've already made -- it won't replace your existing mortgage payment -- it's a new loan that you'll repay monthly, along with your existing home loan.
Most lenders require you to have 15% to 20% of equity in your home to secure a home equity loan. To figure out how much equity you have, subtract your remaining mortgage balance from the value of your home. For example, if you have a $500,000 mortgage and you owe $350,000 on it, you have $150,000 in equity. To figure out the percentage, divide this number ($150,000) by your home's value ($500,000) and you'll see you have 30% equity available in your home. Lenders will typically let you borrow around 80% to 85% of your home's equity for a home equity loan. So, in this case, you could borrow up to $120,000 to $127,500.
A standard repayment period for a home equity loan is between five to 30 years for a home equity loan. You make fixed-rate payments that never change, which means even if interest rates go up, your loan rate is locked in.
Current home equity loan rate trends
One of the benefits of home equity loans is that they typically have lower interest rates than personal loans or credit cards. Right now, borrowers with good credit and sufficient equity can secure home equity loans with interest rates as low as 3%, according to Bankrate, which is owned by the same parent company as CNET.
One potential downside of a home equity loan is that if your property value goes down for any reason, you could end up underwater on your loan. This happens when the balance of your loan becomes higher than the value of your home. That's what happened to millions of Americans during the 2008 financial crisis. Right now, there's less risk of your home's value decreasing below your home equity loan amount, though. Home prices have appreciated as much as 20% in some metro areas across the US over the last two years, and it seems unlikely that they will go down in a significant way anytime soon.
Pros of a home equity loan
Fixed-rate payments: Your monthly payment will never change even if interest rates rise.
One lump sum of cash: You receive the entire loan upfront in one disbursement.
Low interest rates: It has a lower interest rate than other types of personal loans or credit cards.
Tax deductible interest: If you use it for home renovations, you can deduct the interest from your taxes.
Cons of a home equity loan
Using your home as collateral: If you fail to make your payments or default on your loan, your lender can foreclose and take ownership of your house.
Can take longer to receive the funds: It can take more time to receive a home equity loan than a personal loan, for example.
Closing costs are expensive: Closing costs can range anywhere from 2% to 5% of the loan.
Your home's value could decrease after receiving your loan: Although home values are not expected to decrease significantly any time soon, if your home's value were to drop below your home equity loan amount, you would have what is known as negative equity. Negative equity means you owe more than your home is worth. So, if you were to sell your home, you likely would not receive enough money from a seller to pay off your loan balance.
Home equity loans vs. HELOC
Home equity loans and home equity lines of credit, or HELOCs, are similar, but have a few key distinctions. Both let you draw on your home's equity and require you to use your home as collateral to secure your loan. The two major differences between a home equity loan and a HELOC are the way you receive the money and how you pay it back.
A home equity loan gives you the money all at once as a lump sum, whereas a HELOC lets you take money out in installments over a long period of time, typically ten years. Home equity loans have fixed-rate payments that will never go up, but most HELOCs have variable interest rates that rise and fall with the economy and overall interest-rate trends.
A home equity loan is better if:
You want a fixed-rate payment: Your monthly payment will never change even if interest rates rise.
You want one lump sum of money: You receive the entire loan upfront with a home equity loan.
You know the exact amount of money you need: If you know the amount you need and don't expect it to change, a home equity loan likely makes more sense than a HELOC.
A HELOC is better if:
You need money over a long period of time: You can take the money as you need it and only pay interest on the amounts you withdraw, not the full loan amount, as is the case with a home equity loan.
You want a low introductory interest rate: Although HELOC rates may increase over time, they also typically offer lower introductory interest rates than home equity loans. So, you could save money on interest charges.
Home equity loans vs. cash-out refinances
A cash-out refinance is when you replace your existing mortgage with a new mortgage, typically to secure a lower interest rate and more favorable terms. Unlike a traditional refinance, though, you take out a new mortgage for the home's entire value -- not just the amount you owe on your mortgage. You then receive the equity you've already paid off in your home as a cash payout.
For example, if your home is worth $450,000 and you owe $250,000 on your loan, you would refinance for the entire $450,000, rather than the amount you owe on your mortgage. Your new cash-out refinance home loan would replace your existing mortgage, and then offer you a portion of the equity you built (in this case $200,000) as a cash payout.
Both a cash-out refi and a home equity loan will provide you with a lump sum of cash that you'll repay in fixed amounts over a specific time period, but they have some important differences. A cash-out refinance replaces your current mortgage payment. When you receive a lump sum of cash from a cash-out refi, it is added back onto the balance of your new mortgage, usually causing your monthly payment to increase. A home equity loan is different -- it does not replace your existing mortgage and instead adds an additional monthly payment to your expenses.
A home equity loan is better if:
You do not want to pay private mortgage insurance: Some cash-out refinances require PMI, which can add hundreds of dollars to your payments, but home equity loans do not.
You can't complete a refinance: With rates rising, it's possible that your mortgage rate is lower than current refinance rates. If that's the case, it likely won't make financial sense for you to refinance. Instead, you can use a home equity loan to only take out the money you need, rather than replacing your entire mortgage with a higher interest rate loan.
A cash-out refinance is better if:
Refinance rates are lower than your current mortgage rate: If you can secure a lower interest rate by refinancing, this could save you money in interest, while providing access to a lump sum of cash.
You only want one monthly payment: The amount you borrow gets added back to the balance of your mortgage so you only make one payment to your lender every month.
Less stringent eligibility requirements: If you don't have great credit or you have a high debt-to-income ratio, you may have an easier time qualifying for a cash-out refi compared to a home equity loan.
Lower interest rates: Cash-out refinances sometimes offer more favorable interest rates than home equity loans.
FAQs
What is a good home equity loan rate?
Right now, lenders are offering rates that start as low as around 3% for borrowers with good credit, but rates vary depending on your personal financial situation. A lender will base your interest rate on how much equity you have in your home, your credit score, income level and other aspects of your financial life such as your debt-to-income ratio, which is calculated by dividing your monthly debts by your gross monthly income.
How do I qualify for a home equity loan?
You are typically required to have at least 15% to 20% equity built up in your home to qualify for a home equity loan. You must also have enough income and a low-enough debt-to-income ratio to qualify -- lenders usually want to see a DTI of 43% or below. Lenders also like to see a minimum credit score of at least 620. Generally speaking, if your credit score is below 700 there is a possibility that a lender will deny you for a home equity loan. The better your credit, the better your chances of being approved for a loan with a low interest rate.
What can I use a home equity loan for?
Home equity loans can be used for anything you choose to spend the money on. Typical life expenses that people usually take out home equity loans to cover are expenditures like home renovations, higher education costs like tuition or to pay off high-interest debt like credit card debt. There's a bonus for home improvements: If you use a home equity loan for renovations, the interest is tax deductible.
You can also use a home equity loan in an emergency situation or for life events like weddings. But keep in mind that whatever you chose to use a loan for, taking out a large sum of money that accrues interest is an expensive choice you should always carefully consider – especially since you're using your home as collateral to secure the loan. If you can't pay it back, the lender could seize your home to repay your debt.
How do I apply for a home equity loan?
Applying for a home equity loan is similar to applying for a mortgage. You need to qualify with a lender or bank who is willing to lend you the money. First, the lender will first want to make sure you have at least 15% to 20% equity in your home. If you do, the lender will take into account your credit score (lenders usually like to see a minimum score of 620), your income and your current debt-to-income ratio to determine whether you qualify and what your interest rate will be. You should be prepared to have financial documents like pay stubs and W2s in order, as well as proof of ownership and proof of the appraised value of your home. It's important to interview multiple lenders to determine which lender can offer you the lowest rates and fees.
More mortgage tools and resources
You can use CNET's mortgage calculator to help you determine how much house you can afford. The CNET mortgage calculator factors in variables such as the size of your down payment, home price and interest rate to help you understand how much of a difference even a slight increase in rates can make in the amount of interest you'll pay over the lifetime of your loan.
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You can actually unlock your Windows laptop with your face
You can actually unlock your Windows laptop with your face
Apple's FaceID on the iPhone is pretty cool, but Microsoft actually did facial recognition first with Windows Hello. That means there's a hands-free trick to unlocking your laptop. Using your Windows 10 or Windows 11 laptop or tablet's built-in webcam, Hello uses facial recognition to get you in and working in under two seconds. It even works with apps and websites such as Dropbox, Chrome and OneDrive, so you can skip typing in a password.
Brett Pearce/CNET
Read more:Microsoft now lets you scrap your password for Outlook, Xbox and other online services
Unfortunately, not every webcam works with Windows Hello. Your laptop webcam needs an infrared (IR) camera to use the feature, which are more common in new laptops and two-in-ones from the past couple of years, including those from Dell, Lenovo and Asus. If you're not ready for a new laptop, you can opt to buy a supported external webcam like Logitech's Brio 4K Pro, Dell's 4K UltraSharp or Lenovo's 500 FHD.
Check for Windows Hello compatibility
Windows will let you know what your Hello sign-in options are.
Sarah Tew/CNET
If you're not entirely sure what, if any, Windows Hello support your computer has, it's very easy to check. Using the Windows search bar -- typically located at the lower left of your screen or press the Windows key plus S -- type "sign-in options." You can also ask Cortana for sign-in options if you have it activated.
Once you're on the sign-in options screen, you'll see the Windows Hello options available to you. If your system's webcam supports face recognition, you'll see the option to set it up (likewise if you have a supported fingerprint sensor). Click "Set up" and you're on your way.
Note that if the "Set up" button is grayed out, it's because you must set up a system password before you can use other sign-in options. On the same screen, you click the Add button under the Password heading and create a password (or a PIN for Windows 11). Once that's done, your Windows Hello options should no longer be grayed out.
Look at the camera
Sarah Tew/CNET
Once you click through to set it up, you'll hit a "Welcome to Windows Hello" screen, which simply gives you the last chance to back out of setting it up. Don't worry, though: If you decide you don't want to use face recognition, you can delete the profile later.
Click the "Get started" button and the IR camera will turn on and scan your face. Just keep looking directly at the camera until the blue status bar below your picture finishes. It takes just a couple of seconds to finish as long as you keep your head still and looking at the camera.
Create a PIN
Once it completes, you're given the option to improve recognition by running the IR camera scan again. You should do this if you regularly wear glasses or a hat so you can run the scan with those things on and off. Or run it with your head at slightly different angles while still looking at the camera as well as in dark and bright lighting.
After that, you'll be asked to set up a PIN if you haven't already logged into Windows, if for some reason Hello is not available or is having trouble recognizing your face -- a pretty rare experience in my testing if you did a couple of face scans. First, you'll be asked to enter your system password, and then you'll be asked to create a PIN, which cannot be the same as your password.
Sarah Tew/CNET
Look to unlock
In the Windows Hello settings under sign-in options, you have the option to automatically dismiss the lock screen if Windows recognizes your face. This means that as soon as you boot up or wake your PC from sleep, it will scan your face, unlock and take you to your Desktop or whatever you were working on last in less than two seconds. If you have this option off, you'll be asked to dismiss the lock screen manually after Windows recognizes your face, which means clicking a mouse button, keyboard key or swiping your touchscreen. Otherwise, you should be all set up for facial recognition with Windows Hello.
If you've skipped using a system password in the past because you hate having one more password to remember, face recognition is a good, better-than-nothing compromise. And it works so well, you might find yourself locking your computer down just to use it.
Let your fingers do the unlocking
Windows Hello can also be used with integrated or add-on fingerprint readers. They accomplish the same task, but require you to lift your finger to a sensor to quickly sign you into your computer and apps, make in-app purchases or sign into websites with Edge, Chrome and Firefox browsers. The setup process is essentially the same as with facial recognition, you'll just use your finger on a sensor instead of looking at your camera.
For more, take a look at CNET's list of the best must-have accessories for your new laptop and laptop backpacks.
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You Missed the Tax Deadline. Now What Should You Do?
You Missed the Tax Deadline. Now What Should You Do?
This story is part of Taxes 2022, CNET's coverage of the best tax software and everything else you need to get your return filed quickly, accurately and on-time.
Yesterday was the federal tax deadline for almost everyone in the US. (Massachusetts and Maine, you've still got today to finish.) If you didn't electronically file your tax return or have a paper return postmarked by midnight April 18, your taxes are now technically late.
There are plenty of reasons why people might not be able to finish and file their tax returns by the deadline -- missing tax info, medical emergencies, family troubles, unexpected travel… you know, life.
Yes, you should have filed a tax extension. But what to do now that your tax return is late? Whether you owe taxes or are expecting a tax refund, the answer is simple -- complete and file your 2021 tax return as soon as possible.
However, if you owe money, your situation becomes more urgent. The longer you wait to file your tax return and show the IRS you intend to pay what you owe, the more penalties and interest may pile up.
Read on to learn more about how to handle a late tax payment, including information on penalties, interest and payment plans. For more, find the best software for filing your tax return and learn how to track your refund to your bank account or mailbox after you do.
What if I'm late and I am expecting a tax refund for 2021?
If you're expecting money back from the IRS from your 2021 tax return, there are no penalties for filing late. In fact, you have three years to file your 2021 tax return before the IRS turns your tax refund over to the Treasury and your money is gone forever.
Your tax refund might be slightly delayed by filing late, but you should still expect to receive your money in four to six weeks.
You could be making good use of the money the IRS owes you, and the longer you wait to file your taxes, the more you lose out. Whether you use your tax refund to pay down a credit card debt, start an emergency fund, make investments or even just treat yourself to a nice dinner or vacation (depending on your refund amount), you want your money as soon as possible. Letting the IRS keep your tax refund longer only deprives you of possible interest and spending power.
What if I missed the deadline and I owe money on my taxes?
If you missed the tax deadline, didn't file an extension and you owe taxes, you need to hurry up and finish your return as soon as possible and send it in. Not filing taxes when you owe money to the IRS can incur both late filing penalties and late payment penalties.
What are the fees and penalties for filing taxes late?
There are two basic penalties that the IRS charges for filing taxes late when you owe money: a failure-to-file penalty and a failure-to-pay penalty. On top of that, you'll also pay interest on the amount you owe.
The failure-to-file penalty hurts the most. It's generally 5% of the amount you owe for each month or part of a month that your return is late, with a maximum penalty of 25%. If your return is more than 60 days late, the minimum penalty is $435 or the balance of your taxes due, if less than that.
The failure-to-pay penalty will also cost you money, but not nearly as much -- a big reason to file an extension on time even if you can't pay anything. This penalty is usually calculated at 0.5% of any taxes owed that aren't paid by the deadline. The IRS again charges the penalty for each month or part of a month that your payment is late, with a maximum 25% penalty total.
The IRS also charges interest on late taxes. Determined by adding 3% to the short-term federal interest rate, the IRS interest rate is currently 4%. That rate is adjusted quarterly, and interest is compounded daily.
Can I file an extension past the tax deadline?
Unfortunately, no. Tax extensions provide taxpayers six additional months to complete their tax returns, but they must be filed by the tax deadline. Taxpayers filing extensions must also include the estimated amount of money that they owe using IRS Form 1040-ES. Online tax software can also quickly calculate your estimated taxes.
If your deadline has passed, it's too late to file an extension.
What if I filed an extension on time?
Well done. You've got until Oct. 15, 2022, to file your tax return if you filed a tax extension by the April 18 deadline. As long as you paid an estimated amount that's close to what you owe, you won't be subject to fines or penalties if you file your return and pay any remaining tax liability by Oct. 15.
If you didn't pay enough money with your tax extension, you may be subject to the late payment penalty. The IRS expects your estimated payment to be at least 90% of your total tax liability. The agency may charge a 0.5% per month penalty on the amount of unpaid taxes if you paid less than that, so you should still complete your tax return and file it as soon as possible.
What if I can't afford to pay the taxes I owe?
Owing taxes that you don't have the money to pay can be incredibly stressful. However, you can take action now that will lighten both your financial and psychological burdens.
Consider an IRS payment plan. If you can pay off your tax debt within 180 days, the IRS will let you apply for a short-term payment plan that costs nothing, although you'll still accrue penalties and interest until your debt is paid off. It's easy to apply online or at a local IRS office.
If you need more than 180 days, you can apply for a long-term payment plan that costs $31 for automatic monthly bank payments via direct debit, or $130 for non-direct debit payments. Low-income taxpayers -- those with adjusted gross incomes at or below 250% of the federal poverty guidelines -- can waive the fee for the direct-debit installment plan or pay $43 for the non-direct debit plan.
You might consider other borrowing options outside of the IRS. If your tax liability isn't too high, you could use a credit card with a 0% intro APR to pay your taxes, assuming you can pay off that debt before the intro period expires. For larger tax debts, you could consider a debt-consolidation loan, though your rate will generally be higher than the 4% currently charged by the IRS.
