With the rapid expansion of e-commerce and the emergence of innovative payment methods, customer experience on online platforms has become a vital factor for the success of businesses. This study aims to provide a framework for enhancing customers' credit purchasing experience in the BNPL (Buy Now, Pay Later) context, emphasizing a systematic literature review (SLR) and qualitative content analysis. In the first step, a collection of relevant studies was gathered using search strategies in domestic and international scientific databases. Then, by eliminating duplicates and evaluating the selected articles, qualitative data were extracted and analyzed using thematic analysis to identify the dimensions, main components, and influencing sub-components. Finally, a model was designed to illustrate the relationships between these components. The analysis results indicated that the credit purchasing experience on BNPL platforms is influenced by four key dimensions: online shopping experience (including customer trust, ease of use, and customer satisfaction), the nature of credit purchasing (including payment flexibility and behavioral outcomes such as instant purchasing and consumerism), technology acceptance (focusing on individual factors such as financial attitude and innovativeness), and customer experience frameworks (including digital marketing and customer journey design). According to the proposed framework, success in this area requires attention to multiple psychological, behavioral, technological, and marketing dimensions. Finally, practical recommendations were provided for the "SnapPay" platform, including enhancing customer transparency and trust, continuously improving ease of use and user experience, smart management of behavioral outcomes, promoting responsible consumption, and utilizing data for personalizing customer experience and targeted digital marketing.