The source adds the following information: The loans-per-user and dollar-amount-per-user figures are derived by dividing total loans/originations by total users within each lender, meaning they reflect usage at a single lender and likely understate true per-consumer figures for anyone using multiple BNPL providers.
Citation formats
Annual buy now, pay later (BNPL) volume and usage in the U.S. 2022-2023
According to data collected from six major U.S. BNPL lenders - Affirm, Cash App Afterpay, Klarna, PayPal, Sezzle, and Zip - the number of unique users grew from ** million in 2022 to **** million in 2023, a ** percent increase. Over the same period, consumers also used BNPL more intensively: the average number of loans per user rose from *** to ***, and the average annual spend per user increased from *** to *** U.S. dollars, a ** percent rise.Â
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Consumer Financial Protection Bureau. (December 3, 2025). Number of buy now, pay later (BNPL) users, yearly loans per user, and dollar amount per user in the United States from 2022 to 2023 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 15, 2026, from /statistics/1660424/bnpl-volume-and-usage-us/
Consumer Financial Protection Bureau. "Number of buy now, pay later (BNPL) users, yearly loans per user, and dollar amount per user in the United States from 2022 to 2023." Chart. December 3, 2025. ÌÇÐÄÆƽâ°æ. Accessed July 15, 2026. /statistics/1660424/bnpl-volume-and-usage-us/
Consumer Financial Protection Bureau. (2025). Number of buy now, pay later (BNPL) users, yearly loans per user, and dollar amount per user in the United States from 2022 to 2023. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 15, 2026. /statistics/1660424/bnpl-volume-and-usage-us/
Consumer Financial Protection Bureau. "Number of Buy Now, Pay Later (Bnpl) Users, Yearly Loans per User, and Dollar Amount per User in The United States from 2022 to 2023." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 3 Dec 2025, /statistics/1660424/bnpl-volume-and-usage-us/
Consumer Financial Protection Bureau, Number of buy now, pay later (BNPL) users, yearly loans per user, and dollar amount per user in the United States from 2022 to 2023 ÌÇÐÄÆƽâ°æ, /statistics/1660424/bnpl-volume-and-usage-us/ (last visited July 15, 2026)
Number of buy now, pay later (BNPL) users, yearly loans per user, and dollar amount per user in the United States from 2022 to 2023 [Graph], Consumer Financial Protection Bureau, December 3, 2025. [Online]. Available: /statistics/1660424/bnpl-volume-and-usage-us/
