Sometimes. Many BNPL services give you a repayment schedule option upfront, although selecting a longer repayment option may involve paying more fees. Most services will allow you to repay early without penalty, but check before you do it. If you're having difficulty with repayments and know you're going to be late, contact the service provider in advance of the payment date. They may have hardship provisions to allow you a little more payment latitude with minimum penalties.