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Remember layaway? That old-fashioned system of shopping, which allowed customers to pay for items over the course of several installments, has gotten a digital makeover for the modern age.

Services — from the companies Afterpay, Quadpay, Sezzle, Affirm and Klarna — are popping up at the checkout of more and more online stores, offering to help cover the cost of an online purchase by spreading out payment.

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