Speaking as someone who does use the BNPL from time to time for discretionary spending: If you pay it in 4, then its 0% interest and a much smaller piece of your pay check.

Spending $25 over 4 pay checks is a lot easier to do than $100 all at once. But this only works if you A - Only have 1 BNPL plan going at a time, & B - Actually pay off your BNPL in 4.