Buy now, pay later (BNPL) services in the United Kingdom are confirmed to receive legislation in 2026, in an attempt to protect consumers. The Financial Conduct Authority (FCA) estimated the number of BNPL users in the UK to be over 10 million in 2025, even if the market share of BNPL was higher in other countries. Which providers are the main ones adopted by merchants, and what drives UK shoppers to use BNPL?
Detailed statistics
Biggest buy now, pay later (BNPL) apps in the UK 2015-2025, based on downloads
Detailed statistics
Biggest buy now, pay later (BNPL) apps in the UK in 2025, based on MAU
Detailed statistics
Popular products to buy with BNPL in the UK in 2024
Most used in-store (POS) payment methods in the UK 2017-2025, with 2030 forecast
Market share of cash, credit cards, and other payment methods at point of sale (POS) in the United Kingdom (UK) from 2017 to 2025, with a forecast for 2030
Most used e-commerce payment methods in the UK 2016-2025, with 2030 forecast
Market share of cash, credit cards, and other payment methods during online shopping in the United Kingdom (UK) from 2016 to 2025, with a forecast for 2030
Annual BNPL spending in the UK 2022-2025, with a 2031 forecast
Estimated transaction value of buy now, pay later (BNPL) in the United Kingdom (UK) from 2022 to 2025, with a forecast until 2031 (in million U.S. dollars)
Top 10 countries worldwide based on number of buy now, pay later (BNPL) users 2022
Leading countries in the world with the highest number of buy now, pay later (BNPL) users as of 2022 (in millions)
Biggest buy now, pay later (BNPL) apps in the UK in 2025, based on MAU
Biggest buy now, pay later (BNPL) apps in the United Kingdom (UK) as of July 2025, by number of monthly active users (MAU)
Biggest buy now, pay later (BNPL) apps in the UK 2015-2025, based on downloads
Biggest buy now, pay later (BNPL) apps in the United Kingdom (UK) from 1st quarter of 2015 to 2nd quarter of 2025, by number of downloads
Payment types accepted by all e-commerce vendors in the UK in 2022 and 2024
Share of companies that accept selected digital payments for all types of e-commerce in the United Kingdom (UK) as of February 2024
Main online shopping payment methods in the UK 2024
Most used payment methods for domestic and international online purchases in the United Kingdom (UK) in 2024
MAU (monthly active users) of BNPL wallet Klarna in 25 countries worldwide 2024-2025
Top 25 countries and territories based on MAU (monthly active users) of the Klarna app from March 2024 to March 2025
Merchants who use Klarna for buy now pay later in 140 countries worldwide 2026
Number and share of merchants who use Klarna as a buy now pay later (BNPL) solution on their website across various countries in the world as of February 28, 2026
Merchants who use Pay in 4 for buy now, pay later in 33 countries worldwide 2025
Number and share of merchants who use PayPal's Pay in 4 as a buy now, pay later (BNPL) solution on their website across various countries in the world as of January 10, 2025
Merchants who use Afterpay for buy now, pay later in 64 countries worldwide 2026
Number and share of merchants who use Afterpay as a buy now, pay later (BNPL) solution on their website across various countries and territories in the world as of February 28, 2026
Buy now, pay later (BNPL) user age in the UK 2026
Share of respondents who said they use buy now, pay later (BNPL) methods in the United Kingdom (UK) as of January 2026, by age group
Buy now, pay later (BNPL) use in the UK 2024, by age, gender, income, race
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
Main reasons for the increased use of BNPL in 7 countries in Europe and NA 2024
Main motivation for consumers in selected countries in Europe and North America on why they used buy now, pay later (BNPL) more often in 2024
Reasons cited by consumers why they prefer BNPL in U.S., UK, Australia in 2022
Main reasons for respondents why buy now, pay later was a popular payment option for them in the United States, United Kingdom (UK) and Australia in 2022
BNPL use as a payment method for e-commerce worldwide 2024, by age and gender
Share of consumers worldwide who indicate they used buy now, pay later (BNPL) for e-commerce in 2024, by demographic
BNPL use as a payment method for travel worldwide 2024, by age and gender
Share of consumers worldwide who indicate they used buy now, pay later (BNPL) to pay for travel in 2024, by demographic
Popular products to buy with BNPL in the UK in 2024
Share of buy now, pay later (BNPL) users who purchased select product types in the United Kingdom (UK) in 2024
Everyday essential expenses to buy with BNPL in the UK in 2024
Share of buy now, pay later (BNPL) users who purchased select everyday essential expenses in the United Kingdom (UK) in 2024
BNPL use as a payment method for e-commerce in 7 countries in Europe and NA 2024
Share of consumers in selected countries in Europe and North America who used buy now, pay later (BNPL) to pay for e-commerce in 2024
BNPL use as a payment method for travel in 7 countries in Europe and NA 2024
Share of consumers in selected countries in Europe and North America who used buy now, pay later (BNPL) to pay for travel in 2024
BNPL use as a payment method for crypto in 7 countries in Europe and NA 2024
Share of consumers in selected countries in Europe and North America who used buy now, pay later (BNPL) to pay for cryptocurrency in 2024
BNPL use as a payment method for gambling in 7 countries in Europe and NA 2024
Share of consumers in selected countries in Europe and North America who used buy now, pay later (BNPL) to pay for gambling in 2024
Forecast for GDP growth, inflation, and unemployment in the UK 2026
Economic forecast for GDP growth, inflation, and unemployment in the United Kingdom for 2026, by month of forecast
Buy now, pay later (BNPL) monthly debt in the UK 2022, by age group
Average monthly debt from buy now, pay later (BNPL) services in the United Kingdom (UK) in 2022, by age group (in GBP)
Reasons for missing buy now, pay later (BNPL) payments in the UK 2021
Share of buy now, pay later (BNPL) users who have missed payments in the United Kingdom (UK) in July 2021
Monthly outstanding consumer credit amounts in the UK 2006-2026, by type
Outstanding consumer credit excluding student loans in the United Kingdom (UK) from January 2006 to May 2026, by type of credit (in billion GBP)
Monthly credit card debt in the UK 1993-2026
Total credit card debt in the United Kingdom (UK) from March 1993 to May 2026
Monthly credit card APR and Bank of England interest rate in the UK 1995-2025
Credit card APR (annual percentage rates) and Bank of England interest rate in the United Kingdom (UK) from January 1995 to June 2025
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