American adults with low or middle income were more likely to use BNPL than adults with higher incomes in 2025. This is according to an annual household survey in the United States that asked about how and why consumers would be using the alternative payment option. **percent of respondents who had an income of 100,000 U.S. dollars or more used buy now, pay later. This was noticeably different from all other income levels, where a much higher share of respondents said they used BNPL. The source observed a major difference between races, with Black and Hispanic users being significantly more common than White or Asian users.
Profit from the additional features of your individual account
Currently, you are using a shared account. To use individual functions (e.g., mark statistics as favourites, set
statistic alerts) please log in with your personal account.
If you are an admin, please authenticate by logging in again.
Learn more about how ÀÖ²¥´«Ã½app×îа汾 can support your business.
Federal Reserve. (June 10, 2026). Share of respondents who said they used buy now, pay later (BNPL) in the United States in 2025, by age, gender, income, and race [Graph]. In ÀÖ²¥´«Ã½app×îа汾. Retrieved August 13, 2026, from /statistics/1421852/bnpl-user-demographics-usa/
Federal Reserve. "Share of respondents who said they used buy now, pay later (BNPL) in the United States in 2025, by age, gender, income, and race." Chart. June 10, 2026. ÀÖ²¥´«Ã½app×îа汾. Accessed August 13, 2026. /statistics/1421852/bnpl-user-demographics-usa/
Federal Reserve. (2026). Share of respondents who said they used buy now, pay later (BNPL) in the United States in 2025, by age, gender, income, and race. ÀÖ²¥´«Ã½app×îа汾. ÀÖ²¥´«Ã½app×îа汾 Inc.. Accessed: August 13, 2026. /statistics/1421852/bnpl-user-demographics-usa/
Federal Reserve. "Share of Respondents Who Said They Used Buy Now, Pay Later (Bnpl) in The United States in 2025, by Age, Gender, Income, and Race." ÀÖ²¥´«Ã½app×îа汾, ÀÖ²¥´«Ã½app×îа汾 Inc., 10 Jun 2026, /statistics/1421852/bnpl-user-demographics-usa/
Federal Reserve, Share of respondents who said they used buy now, pay later (BNPL) in the United States in 2025, by age, gender, income, and race ÀÖ²¥´«Ã½app×îа汾, /statistics/1421852/bnpl-user-demographics-usa/ (last visited August 13, 2026)
Share of respondents who said they used buy now, pay later (BNPL) in the United States in 2025, by age, gender, income, and race [Graph], Federal Reserve, June 10, 2026. [Online]. Available: /statistics/1421852/bnpl-user-demographics-usa/
