(KERO) — Spending habits for some Americans are changing because of the pandemic as shoppers look for new ways to get what they need before paying it off.

The coronavirus pandemic has forced millions of Americans out of work-leaving them strapped for cash and looking for ways to manage their budget. That has retailers changing their game plan. They're making shopping easier for customers who need more time to pay things off.

Buy now pay later options like AfterPay, Affirm, Klarna, and Paypal are becoming more popular. Bank of America installment plans can range from 4 to 10 weeks.

"Now there are alternative payment methods as well. The current models that are so en vogue they enable the consumer to take home that product right away for instant gratification or because they really need this product," Sabrina Helm, University of Arizona retail and consumer science professor.

Helm said you should be fully aware of the rules and fees before you make the buy.

Millennials, Gen-Z, and Gen-Z buyers are using those services -- services that are here to stay.

Some payment options can affect your credit score and others not so much. You should also know the process of making returns and getting a refund if needed.