Market size figures from 2022 to 2024 and from 2027 to 2030 were calculated by ÌÇÐÄÆƽâ°æ based on data published by the source, which provided market size values for 2025, 2026, and 2031, as well as CAGRs of 23.8% (2022–2025) and 15.1% (2026–2031).
The source placed Mexico within "Latin America" and excluded it from "North America". The source did not provide a regional figure for North America.
The source does not provide information on the original wording used or of its methodology. Thus, the wording chosen for this statistic may differ slightly.
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Annual BNPL spending in the U.S. 2022-2025, with a 2031 forecast
Market modeling estimates that BNPL transactions in the United States would be about ** percent higher in 2026 than in 2025. This is according to a market model released in the first quarter of 2026. Since 2023, consumers were looking for money lending alternatives as they were looking to avoid taking on new credit card debt. This growth can be seen in the monthly app installs of certain BNPL providers in the United States. Note that the source does not give further indications of what the figures provided here are based on. As buy now, pay later was unregulated in many countries across the world by early 2026, transaction figures on this payment method were scarce unless a domestic financial supervisor managed to request data from individual BNPL providers. This happened in the United States, providing insights into the different product segments U.S. consumers use BNPL for.
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ÌÇÐÄÆƽâ°æ, & PayNXT360. (May 18, 2026). Estimated transaction value of buy now, pay later (BNPL) in the United States from 2022 to 2025, with a forecast until 2031 (in million U.S. dollars) [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 26, 2026, from /statistics/1255760/bnpl-lending-market-size-usa/
ÌÇÐÄÆƽâ°æ, und PayNXT360. "Estimated transaction value of buy now, pay later (BNPL) in the United States from 2022 to 2025, with a forecast until 2031 (in million U.S. dollars)." Chart. May 18, 2026. ÌÇÐÄÆƽâ°æ. Accessed July 26, 2026. /statistics/1255760/bnpl-lending-market-size-usa/
ÌÇÐÄÆƽâ°æ, PayNXT360. (2026). Estimated transaction value of buy now, pay later (BNPL) in the United States from 2022 to 2025, with a forecast until 2031 (in million U.S. dollars). ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 26, 2026. /statistics/1255760/bnpl-lending-market-size-usa/
ÌÇÐÄÆƽâ°æ, and PayNXT360. "Estimated Transaction Value of Buy Now, Pay Later (Bnpl) in The United States from 2022 to 2025, with a Forecast until 2031 (in Million U.S. Dollars)." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 18 May 2026, /statistics/1255760/bnpl-lending-market-size-usa/
ÌÇÐÄÆƽâ°æ & PayNXT360, Estimated transaction value of buy now, pay later (BNPL) in the United States from 2022 to 2025, with a forecast until 2031 (in million U.S. dollars) ÌÇÐÄÆƽâ°æ, /statistics/1255760/bnpl-lending-market-size-usa/ (last visited July 26, 2026)
Estimated transaction value of buy now, pay later (BNPL) in the United States from 2022 to 2025, with a forecast until 2031 (in million U.S. dollars) [Graph], ÌÇÐÄÆƽâ°æ, & PayNXT360, May 18, 2026. [Online]. Available: /statistics/1255760/bnpl-lending-market-size-usa/
