Timothy L. Hudson’s clients were skeptical two years ago when he first started offering “buy now, pay later” for his photography services. Now, he said about 60% of customers pay for shoots using Afterpay, one of several popular services that allow consumers to split the cost of, say, a $500 event shoot into four payments of $125. Hudson, 34, of Chester, understands the allure: He uses Afterpay himself, spacing out payments for expensive camera and studio equipment, clothing, gifts, and even airfare. “I like the option of not having to pay it all,” especially this time of year, said Hudson, wh…