This research paper looks into the factors influencing motivation to use Buy Now, Pay Later (BNPL) facilities. Quantitative method was employed for the survey of 223 respondents through an on-line questionnaire to determine salient factors including easy access, low or zero interest rate support offers as well as marketing and promotional strategies impact financial performance; whereas peer pressure matures a relationship between ease full comfort acceptance directly proportional with technology savvy. Top BNPL predictors in analysis: Access/convenience Low or zero interest rates Tech-savvy Peer effect and schemes to promote discount do influence but are less significant. This study offers pragmatic insights for BNPL providers, suggesting the necessity of offering a simple entry channel and low interest rates but targeting tech consumers by using social approaches or promotion tactically. These results contribute to a refined conception about consumer behavior in the BNPL market and indicate future areas of research that could be relevant for any type of consumer finance products.