Consumers; The survey respondents were weighted to a representative sample.
Method of interview
Online survey
Supplementary notes
The figures shown refer to unregulated buy now, pay later - which the source called "deferred payment credit" or DPC, to help separate this category from regulated BNPL. The source included the following providers as types of unregulated buy now, pay later:Â
°ä±ô±ð²¹°ù±è²¹²â;Ìý
¶Ù¾±±¹¾±»å±ð²ú³Ü²â;Ìý
±á³Ü³¾³¾;Ìý
°±ô²¹°ù²Ô²¹;Ìý
³¢²¹²â²ú³Ü²â;Ìý
±Ê²¹²â¾±³Ù²Ñ´Ç²Ô³Ù³ó±ô²â;Ìý
±Ê²¹²â±Ê²¹±ô;Ìý
Secure Trust/V12;Â
³§±è±ô¾±³Ù¾±³Ù;Ìý
Other providers if a respondent could write one in.Â
If a respondent did not know its BNPL provider, the source assumed it would be part of regulated BNPL, and it would be excluded from the results.
The question was phrased by the source as follows: "In the last 12 months have you bought any goods using a Buy Now, Pay Later payment service, sometimes called pay in three or pay later?"
Citation formats
Buy now, pay later (BNPL) use in the UK 2024, by age, gender, income, race
UK adults with low or middle income were more likely to use BNPL than adults with higher incomes. This is according to a bi-annual household survey in the United Kingdom, that asked about how and why consumers would be using the alternative payment option. About ** percent of respondents who had an income between 50,000 and 100,000 British pounds used buy now, pay later. This was noticeably different from other income levels, especially higher ones. The source observed major differences between race, with Black and mixed race users being significantly more common BNPL users than White or Asian respondents.
Profit from the additional features of your individual account
Currently, you are using a shared account. To use individual functions (e.g., mark statistics as favourites, set
statistic alerts) please log in with your personal account.
If you are an admin, please authenticate by logging in again.
Learn more about how ÌÇÐÄÆƽâ°æ can support your business.
Financial Conduct Authority. (May 16, 2025). Share of respondents who said they used buy now, pay later (BNPL) in the United Kingdom (UK) in 2024, by age, gender, income, and race [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 14, 2026, from /statistics/1613791/bnpl-user-demographics-in-uk/
Financial Conduct Authority. "Share of respondents who said they used buy now, pay later (BNPL) in the United Kingdom (UK) in 2024, by age, gender, income, and race." Chart. May 16, 2025. ÌÇÐÄÆƽâ°æ. Accessed July 14, 2026. /statistics/1613791/bnpl-user-demographics-in-uk/
Financial Conduct Authority. (2025). Share of respondents who said they used buy now, pay later (BNPL) in the United Kingdom (UK) in 2024, by age, gender, income, and race. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 14, 2026. /statistics/1613791/bnpl-user-demographics-in-uk/
Financial Conduct Authority. "Share of Respondents Who Said They Used Buy Now, Pay Later (Bnpl) in The United Kingdom (Uk) in 2024, by Age, Gender, Income, and Race." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 16 May 2025, /statistics/1613791/bnpl-user-demographics-in-uk/
Financial Conduct Authority, Share of respondents who said they used buy now, pay later (BNPL) in the United Kingdom (UK) in 2024, by age, gender, income, and race ÌÇÐÄÆƽâ°æ, /statistics/1613791/bnpl-user-demographics-in-uk/ (last visited July 14, 2026)
Share of respondents who said they used buy now, pay later (BNPL) in the United Kingdom (UK) in 2024, by age, gender, income, and race [Graph], Financial Conduct Authority, May 16, 2025. [Online]. Available: /statistics/1613791/bnpl-user-demographics-in-uk/
