The world of fashion is one of the most profitable industries in the world. From luxury goods to reused up-cycled clothes. In the last couple of years the demand for certain types of luxury goods has grown, due to the growing market of influencers. With this a lot of companies have come up with clever and effective ways of payment, to avoid high interest rates with credit card bills and contracts. Start ups such as REEL, CASHMERE, and HYPER JAR, make it possible for consumers to attain such luxury goods. These save-to-buy apps were designed to connect to the consumers bank account to automate monthly savings toward purchases. For example on Cashmere and Reel, purchases selected by users from their product catalogs are 'unlocked' once enough is saved. Both companies work with retailers to curate their catalogs. Meanwhile on Hype Jar users earn cash to spend with a selected retailer as they save. There's also After-Pay and Klarna that has become really popular in the last year. What this service provides is an accessible way of purchasing goods as you would with a credit card, without the interest rate and the hard hit on your credit score. Installment payments are