“Target is the latest retailer to jump on the “buy now, pay later” bandwagon. Ahead of the busy holiday season, Target is offering shoppers additional ways to pay for their purchases with new installment plans from Affirm and Sezzle, the retailer told USA TODAY exclusively Wednesday. Installment plans, which are beginning to replace traditional layaway plans, are increasingly popular with retailers. Amazon and Walmart have adopted them, as have Macy’s and Bed Bath & Beyond. Newer entrants include Paypal, which bought Paidy, and Square, which bought Afterpay.”