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US Buy Now, Pay Later Loan Trends, 5th Edition

Publisher Packaged Facts
Published Nov 18, 2025
Length 88 Pages
SKU # LA20580236

Description

The Packaged Facts report US Buy Now, Pay Later Loan Trends, addresses the US market for “Pay in 4” and interest-based loans offered by leading BNPL fintechs. This report relies on proprietary, trended data to identify key users, and how usage factors, credit card cross-use, risk profiles, mobile usage, product innovations influence BNPL usage. This includes generational “deep cuts” such as generation by gender, income, race/ethnicity, and credit score. It also includes market sizing for the BNPL market, by key players.

Table of Contents

88 Pages
    • Scope of Report
    • Report Methodology
    • Executive Summary
    • Buy Now, Pay Later Payment Value Market Size and Forecast
    • Penetrating New Categories and Channels
    • Framing BNPL Within Fintech Financial Services Ecosystems
    • Providing Customer Rewards
    • Keeping Credit Card Issuers on Their Toes
    • Usage Tracks at 25% of Population
    • Usage: Ask Gen Z and Millennials
    • Usage Frequency Needs a Boost
    • Usage by Brand
    • Credit Scores Strongly Correlate to BNPL Usage
    • Riskier Consumers Are Heavier BNPL Users
    • Overview
    • BNPL Users and Credit Card Users Have More in Common Than You Think
    • Mobile Payment Adoption Among BNPL Users Is High
    • Phone-Based Payment Methods
    • BNPL Users Are Digitally Savvy Payers Regardless of Age
    • Mobile Payment Brands Can Drive BNPL Uptake
    • Mobile Funding Methods
    • Top Usage Rationales
    • Importance of BNPL Fees, Terms, and Benefits
    • Financial Protection and Cash Flow Considerations Predominate
    • Finance and Commerce Products Turn the Flywheel
    • Why Do I Need It?
    • Affirm
    • Afterpay
    • Klarna
    • PayPal BNPL
    • Survey Methodology
    • Methodology
    • Definitions

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