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BNPL (buy now, pay later) market in the United States

Statistics report on the use of buy now, pay later (BNPL) in the United States

BNPL is often discussed due to potential of debt, but how big is the payment method's adoption in the United States and in what kind of scenarios is it used?

This report provides a range of statistics that cover the following topics for buy now, pay later in the United States. First, it portrays the market size of BNPL in the country. Second, it showcases the adoption of individual BNPL brands across websites coming from the U.S. Third, the statistics cover user demographics. Fourth, the report explores the user behavior with BNPL across different product segments. Finally, the study closes off with several individual statistics that are still relevant for the BNPL market in the U.S.

Some of the key questions asked in this report include: How big is buy now, pay later in the United States? When are people using it? And for what reasons?

Table of contents

Market size

6
  • Premium Statistic Most used in-store (POS) payment methods in the U.S. 2017-2025, with 2030 forecast
  • Premium Statistic Most used e-commerce payment methods in the U.S. 2016-2025, with 2030 forecast
  • Premium Statistic PayPal, Afterpay, Affirm, Apple Pay Later use for BNPL in the U.S. 2023
  • Premium Statistic Key companies in BNPL (buy now, pay later) worldwide, based on transaction value 2024
  • Premium Statistic Biggest buy now, pay later (BNPL) apps in the U.S. 2015-2025, based on downloads
  • Premium Statistic Annual BNPL spending in the U.S. 2022-2025, with a 2031 forecast

Merchant adoption

7
  • Premium Statistic Merchants who use Affirm for buy now, pay later in 25 countries worldwide 2026
  • Premium Statistic Merchants who use Afterpay for buy now, pay later in 64 countries worldwide 2026
  • Premium Statistic Merchants who use Klarna for buy now pay later in 140 countries worldwide 2026
  • Premium Statistic Merchants who use Pay in 4 for buy now, pay later in 33 countries worldwide 2025
  • Premium Statistic Merchants who use Sezzle for buy now, pay later in 34 countries worldwide 2026
  • Premium Statistic Merchants who use Zip for buy now, pay later in 18 countries worldwide 2025
  • Premium Statistic Features offered by subscription businesses in the U.S. 2023

User demographics

6
  • Premium Statistic Buy now, pay later (BNPL) use in the U.S. 2025, by age, gender, income, race
  • Premium Statistic Gen Z use of selected online payment methods worldwide in 2024, by situation
  • Premium Statistic Millennial use of selected online payment methods worldwide in 2024, by situation
  • Premium Statistic Increase in use of selected online payment methods worldwide in 2024, by age gender
  • Premium Statistic Reasons to use buy now, pay later (BNPL) in the U.S. 2022-2025
  • Premium Statistic BNPL missed payments or spent too much in the U.S. 2025, by age

Product segments

7
  • Premium Statistic Annual buy now, pay later (BNPL) transaction volume in U.S. 2019-2021, by vertical
  • Premium Statistic Buy now, pay later (BNPL) purchase value in the U.S. 2023, by type of household
  • Premium Statistic Payment methods consumers intend to use for gift buying in the U.S. 2024
  • Premium Statistic Leading payment methods for cosmetic procedures among U.S. consumers 2024
  • Premium Statistic Main incentives for U.S. loyalty program holders to travel during the holidays 2023
  • Premium Statistic Payment methods used for direct or indirect purchases in a metaverse in the U.S. 2022
  • Premium Statistic Top features driving retail subscription sign-ups in the U.S. 2023

Miscellaneous

4
  • Premium Statistic Payment forms used at Amazon Prime Days in the U.S. 2024
  • Premium Statistic Buy Now, Pay Later (BNPL) purchases on Amazon Prime Day in the U.S. 2022-2026
  • Premium Statistic Use of Buy Now, Pay Later (BNPL) for Amazon sales event purchases in the U.S. 2024
  • Premium Statistic Quarterly delinquency rate of BNPL (buy now, pay later) company Affirm 2017-2026
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