The Buy Now Pay Later Trap: Why 47% of Users Are Paying Late in 2026

Premium illustration showing Buy Now Pay Later trap with overlapping payment schedules and debt warning indicators

Key Takeaways 50% of US adults have used Buy Now Pay Later — 37% made a purchase with one in the past 90 days alone 47% of BNPL users paid late on at least one loan in the past year — up from 41% the year before and 34% two years ago 60% of BNPL … Read more