Shop now with Buy Now, Pay Later is easy. Getting a refund is difficult.

Hannah Reno usually doesn’t take out a loan when she makes purchases. But two year, interest free installment loan Confirmation Holdings Inc., It felt great to be close for a Peloton treadmill.

He quickly paid off the loan of about $5,000. Then Peloton recalled his treadmill, sending him on a one-month quest to get a refund.