Buy Now Pay Later (BNPL) services have taken off quickly in the digital lending sector in India. Although they have made financial inclusion and access to credit more accessible, they also highlight some issues. This report looks at these issues with regard to BNPLs by looking at the lack of regulation, lack of clear pricing, aggressive collection processes and lack of credit bureau reporting. To understand the interaction between the new rules being introduced by the Reserve Bank of India (RBI) and consumer protection, a mixed method approach was used. Population and Sample: The population consists of young working professionals and Undergraduates/Postgraduates who would be considered digitally active. There is a sample size of around 50-70 people to be included in the research. Data Sources: Primary data includes a questionnaire which will measure how aware people are of BNPL services, whether the service is transparent, what their spending habits are, how they repay and if they feel they have protections as a consumer. Secondary data includes notifications and directions from the RBI, peer reviewed literature, industry publications and financial reports. Data Collection: The information was collected through a questionnaire that contains closed and scaled questions to allow quantitative data to be collected. Some BNPL terms and conditions, pricing and credit documents were examined. This research demonstrates the need for standardised legislation, transparency and data protection. The findings suggest that there should be balance put into place to ensure that those most at risk of becoming over indebted are protected while promoting financial innovation in the digital credit sector in India.