NEARLY three quarters of Premier League sides are encouraging cash-strapped fans to buy merchandise on credit.It comes as some shirt prices soar beyond £100.GettyNearly three quarters of Premier League sides are encouraging cash-strapped fans to buy merchandise on credit[/caption]AFPLabour MP Stella Creasy has campaigned for ‘proper regulation’ of the buy now pay later industry[/caption]LFCA replica Liverpool shirt costs £100[/caption]Fourteen clubs offer buy now, pay later schemes such as Clearpay or Klarna. But critics warn fans could end up spending money they do not have.Labour MP Stella Creasy, who has campaigned for set guidelines for the sector, said: “No football club should be engaging in buy now, pay later until this industry is properly regulated.“If clubs are so worried about the affordability of the kit, why not just cut the cost?”Only Manchester City, Arsenal, Brighton, Fulham, Bournemouth and Burnley do not use the payment schemes.Nine clubs are selling replica home shirts for £85 this season.With customisation, such as player names or badges, the cost is more than £100 in the Man United, Newcastle and Liverpool club shops.Spurs sells “elite” home shirts for £125 a pop. tottenhamhotspurSpurs sells ‘elite’ home shirts for £125 a pop[/caption]