Reasons to use buy now, pay later (BNPL) in the U.S. 2022-2024

Published by
Raynor de Best,
Jun 10, 2025

In October 2024, more than **** of buy now, pay later (BNPL) users in the U.S. did so to make purchases that did not fit in their budget. This is according to consumer survey held in the country in late 2024, but released in the middle of 2025. Market modeling estimates that BNPL spending in the United States would be about ** percent higher in 2025 than in 2024.  Since 2023, consumers were looking for payment alternatives. This growth can be seen in the monthly app installs of certain BNPL providers in the United States.

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Share of buy now, pay later (BNPL) users that mentioned the following reasons to use that technology in the United States from 2022 to 2024

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Source

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Release date

May 2025

Region

United States

Survey time period

October 18, 2024, to October 31, 2024

Number of respondents

12,393 respondents

Age group

18 years and older

Special properties

Consumers, the source specifically states the respondents were adults

Method of interview

Questionnaire

Supplementary notes

All figures have been gathered by Statista from separate publications.

The survey respondents were weighted to a representative sample.

Multiple answers were possible.

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

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Market size

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Miscellaneous

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Topics

BNPL (Buy Now, Pay Later)Online shopping behavior in the United StatesFintechPayPalApple Pay
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