Share of respondents who said they used buy now, pay later (BNPL) in the United States in 2025, by age, gender, income, and race

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.