There's two forms.

1. Some banks offer to split payments on debit purchases after you make the purchase.

2. Some stores (mostly online) offer it at checkout.

There's no credit checks, and it's easy for the buyer to not realize what's happening.

Every single time you do it, a 3rd party company opens a line of credit for it.

It's like getting a new credit card every time it's used. Which demolishes peoples credit before they realize what's going on.

But there's rarely interest if paid on time, so people just don't understand the damage they're doing.