Survey responses from the New York Fed’s Survey of Consumer Expectations (SCE) Credit Access Survey.
Method of interview
Online panel
Supplementary notes
The figures do not add up to 100 because they show the percentage of people in each of those situations that used BNPL. For example, if 37 percent of people with 30+ day delinquencies used BNPL, that means that 63 percent of people in those situations did not use BNPL.
Citation formats
Buy now, pay later (BNPL) usage in the U.S. 2023, by household income
In June 2023, people with an household income of under * U.S. dollars had the highest buy now, pay later (BNPL) usage rates. The relationship between the usage of BNPL and household income was inversely proportional. As household incomes increased, the share of respondents who claimed to have used BNPL decreased.
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New York Fed. (September 26, 2023). Share of people who have purchased something using a buy now, pay later option in the United States in June 2023, by household income [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 30, 2026, from /statistics/1474906/usage-of-bnpl-by-income-in-the-us/
New York Fed. "Share of people who have purchased something using a buy now, pay later option in the United States in June 2023, by household income." Chart. September 26, 2023. ÌÇÐÄÆƽâ°æ. Accessed July 30, 2026. /statistics/1474906/usage-of-bnpl-by-income-in-the-us/
New York Fed. (2023). Share of people who have purchased something using a buy now, pay later option in the United States in June 2023, by household income. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 30, 2026. /statistics/1474906/usage-of-bnpl-by-income-in-the-us/
New York Fed. "Share of People Who Have Purchased Something Using a Buy Now, Pay Later Option in The United States in June 2023, by Household Income." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 26 Sep 2023, /statistics/1474906/usage-of-bnpl-by-income-in-the-us/
New York Fed, Share of people who have purchased something using a buy now, pay later option in the United States in June 2023, by household income ÌÇÐÄÆƽâ°æ, /statistics/1474906/usage-of-bnpl-by-income-in-the-us/ (last visited July 30, 2026)
Share of people who have purchased something using a buy now, pay later option in the United States in June 2023, by household income [Graph], New York Fed, September 26, 2023. [Online]. Available: /statistics/1474906/usage-of-bnpl-by-income-in-the-us/
