Buy Now Pay Later (BNPL)

Product · 2 documents

Key number

25.8%

Weighted prevalence of any late BNPL payment among past-year users. Research Square p.13

Key number

.566 r

Correlation between BNPL usage intensity and impulse buying. Trends in Finance and Economics p.7

Credit-Reporting Beliefs, Affordability-Related Use and Self-Reported Late Payment Among U.S. Buy-Now-Pay-Later Users: A Cross-Sectional Analysis of the 2025 SHED

Research paperResearch SquareNovember 202630 pages

The study analyses 2,004 past-year BNPL users in the 2025 Survey of Household Economics and Decisionmaking, of whom 487 reported any late payment.

Impulse Buying and Financial Self-Efficacy of BNPL Users: Analysing the Role of Digital Financial Literacy

Research paperTrends in Finance and EconomicsNovember 202612 pages

The cross-sectional survey study is consistent with an analytical sample of 273 observations.