Share of people who have purchased something using a buy now, pay later option in the United States in June 2023, by credit application and delinquency in the past year
Characteristic
Share of respondents
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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 usage in the U.S. 2023, by credit application and past delinquency
The group of people who used Buy Now, Pay Later (BNPL) services the most as of June 2023 in the United States were those who experienced credit rejection and/or more than ** days of delinquency. Nevertheless, even among those groups, the majority of the people had not used BNPL.
In the past year, **** percent of people who applied for some other type of credit and were rejected used BNPL. Meanwhile, ** percent of those that were at least ** days delinquent at some point in the past year had used BNPL.
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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 credit application and delinquency in the past year [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 31, 2026, from /statistics/1475091/usage-of-bnpl-by-credit-application-and-delinquency-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 credit application and delinquency in the past year." Chart. September 26, 2023. ÌÇÐÄÆƽâ°æ. Accessed July 31, 2026. /statistics/1475091/usage-of-bnpl-by-credit-application-and-delinquency-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 credit application and delinquency in the past year. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 31, 2026. /statistics/1475091/usage-of-bnpl-by-credit-application-and-delinquency-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 Credit Application and Delinquency in The past Year." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 26 Sep 2023, /statistics/1475091/usage-of-bnpl-by-credit-application-and-delinquency-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 credit application and delinquency in the past year ÌÇÐÄÆƽâ°æ, /statistics/1475091/usage-of-bnpl-by-credit-application-and-delinquency-in-the-us/ (last visited July 31, 2026)
Share of people who have purchased something using a buy now, pay later option in the United States in June 2023, by credit application and delinquency in the past year [Graph], New York Fed, September 26, 2023. [Online]. Available: /statistics/1475091/usage-of-bnpl-by-credit-application-and-delinquency-in-the-us/
