The percentage of Affirm's loans that are at least 30 days past due their original payment date increased in the first quarter of 2025. This was a decrease of *** percentage point for the U.S. BNPL company when compared to the same quarter in 2024, but still lower than previous peaks, such as in 2020. Nevertheless, these figures are lower than the aggregated credit card delinquency rate for the United States. Why this is the case, is not exactly clear. Industry analysts believe the lower amounts and shorter timeframe of BNPL payments may lower delinquency. Others argue that paying off such payments, first, may impact the ability to pay back larger transactions performed with a credit card.
Affirm's financial year runs from July 1 to June 30. The figures shown here have been corrected away from the financial year. Figures from Q3 2024, for example, come from Affirm's reporting for FY 2025 as of the three months ending on September 30 (2024).
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Website (Affirm). (May 8, 2025). BNPL (buy now, pay later) delinquency rate of Affirm from 3rd quarter 2017 to 1st quarter 2025, by stage (30, 60 and 90 days past due) [Graph]. In Statista. Retrieved July 13, 2025, from https://www.statista.com/statistics/1445174/affirm-delinquency-rates/
Website (Affirm). "BNPL (buy now, pay later) delinquency rate of Affirm from 3rd quarter 2017 to 1st quarter 2025, by stage (30, 60 and 90 days past due)." Chart. May 8, 2025. Statista. Accessed July 13, 2025. https://www.statista.com/statistics/1445174/affirm-delinquency-rates/
Website (Affirm). (2025). BNPL (buy now, pay later) delinquency rate of Affirm from 3rd quarter 2017 to 1st quarter 2025, by stage (30, 60 and 90 days past due). Statista. Statista Inc.. Accessed: July 13, 2025. https://www.statista.com/statistics/1445174/affirm-delinquency-rates/
Website (Affirm). "Bnpl (Buy Now, Pay Later) Delinquency Rate of Affirm from 3rd Quarter 2017 to 1st Quarter 2025, by Stage (30, 60 and 90 Days past Due)." Statista, Statista Inc., 8 May 2025, https://www.statista.com/statistics/1445174/affirm-delinquency-rates/
Website (Affirm), BNPL (buy now, pay later) delinquency rate of Affirm from 3rd quarter 2017 to 1st quarter 2025, by stage (30, 60 and 90 days past due) Statista, https://www.statista.com/statistics/1445174/affirm-delinquency-rates/ (last visited July 13, 2025)
BNPL (buy now, pay later) delinquency rate of Affirm from 3rd quarter 2017 to 1st quarter 2025, by stage (30, 60 and 90 days past due) [Graph], Website (Affirm), May 8, 2025. [Online]. Available: https://www.statista.com/statistics/1445174/affirm-delinquency-rates/
