{"id":342423,"date":"2020-10-08T16:16:43","date_gmt":"2020-10-08T15:16:43","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=342423"},"modified":"2026-02-05T14:12:05","modified_gmt":"2026-02-05T14:12:05","slug":"buy-now-pay-later-statistics","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/buy-now-pay-later-statistics","title":{"rendered":"Buy now, pay later (BNPL) statistics"},"content":{"rendered":"<p>Buy now, pay later (BNPL) usage is growing fast in the UK so we carried out some research to see if <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/buy-now-pay-later-providers-uk\">buy now, pay later providers<\/a> are disrupting the <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/best-credit-cards\">credit card<\/a> industry. Here are the latest BNPL statistics. <\/p><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><h3 class=\"luna-sectionTitle\">BNPL statistics: Highlights<\/h3><ul><li>As of 2026, more than half (54%) of UK adults have used BNPL services, up from 42% in 2025.<\/li><li>45% of Brits used BNPL services in 2025.<\/li><li>1 in 6 Brits (17%) used BNPL for the first time in 2025.<\/li><li>The average BNPL purchase in the UK is \u00a3114.<\/li><li>Buy now, pay later (BNPL) now accounts for 8% of all physical and online payments in the UK. This is forecast to grow to 9% by 2030.<\/li><li>380 million people use BNPL services globally. This is predicted to increase to 670 million by 2028.<\/li><\/ul><\/div><\/article><h3>How many people use buy now, pay later in the UK?<\/h3><p>According to a 2026 Finder survey, more than half of UK adults (54%) have used BNPL at some point, which equates to around 29.9 million people. This number is up from an estimated 19.1 million (36%) at the start of 2023. <\/p><p>45% of Brits used BNPL in 2025, and 17% used BNPL services for the first time in this period. <\/p><p>The research by Finder also revealed that 46% of Brits have never used BNPL and only 10% of this group are currently considering using it in the future. 13% admit they will not consider it, while 22% are still unsure. <\/p><ul class=\"nav nav-tabs pb-tabs\"><li class=\"active\"><a href=\"#tab1364\" data-toggle=\"tab\">Graph<\/a><\/li><li class=\"\"><a href=\"#tab6066\" data-toggle=\"tab\">Table<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab1364\" class=\"tab-pane active \"><iframe id=\"datawrapper-chart-wHJ5Z\" title=\"Half of Brits have used BNPL as of 2024\" width=\"100%\" height=\"294\" scrolling=\"no\" aria-label=\"Bar Chart\" src=\"https:\/\/datawrapper.dwcdn.net\/wHJ5Z\/1\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><\/div><div id=\"tab6066\" class=\"tab-pane \"><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\">\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Have you used BNPL?<\/th>\n                            <th scope=\"col\">Percentage<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>I have used BNPL<\/td>\n                            <td>54%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>I have not used BNPL and do not intend to use it<\/td>\n                            <td>22%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>I have not used BNPL, but I might use it<\/td>\n                            <td>13%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>I have not used BNPL and am unsure about future use<\/td>\n                            <td>10%<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><\/div><\/div>\n\n \n\n\n<style>\n#newsletter-signup { overflow-x: clip; 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Please re-enter it and try again.\";\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nreturn false;\n}\n};\n\nfunction getSignUpPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentSignUp(email,trackingParams);\nsendJoinWaitlistGAEvent();\n};\n\nfunction segmentSignUp(email,trackingParams) {\nvar email = document.getElementById(\"emlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nvar b = document.getElementById('form-submit');\n\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"newsletterSubscribed\",\nemail: email,\npayload: {\nsubmitNiche: 'UKCCF',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'subscriptionBox',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\n\ntrackSegmentBE(email);\n\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nf.innerHTML = \"Success! Thanks for signing up.\";\nb.setAttribute(\"disabled\", \"\");\nreturn true;\n\n};\n\nfunction sendJoinWaitlistGAEvent() {\nif (window.ga === undefined) {\nreturn;\n}\n\nwindow.ga('send', 'event', 'ukfin email signup', 'signed up', null, undefined, { nonInteraction: false });\n}\n<\/script>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<h3>How many people use buy now, pay later around the world?<\/h3><p>Around 380 million people use BNPL services globally, according to 2024 figures. This is predicted to grow to 670 million by 2028, an increase of 107% in 4 years.<\/p><h3>Buy now, pay later is popular with gen Z and millenials<\/h3><p>Our research shows that BNPL is most popular with millennials (aged 30-45) \u2013 73% have used buy now, pay later services at some point, with two-thirds (65%) using BNPL in the past year. It\u2019s also popular with generation Z (aged 18-29) as 65% have used BNPL with 55% using it in 2025.<\/p><p>BNPL is relatively popular with generation X (aged 46-61), as more than half of this group (51%) has used it before. However, the payment service is less popular among the older generations, with 3 in 10 baby boomers (29%) and 17% admitting to using it.<\/p><ul class=\"nav nav-tabs pb-tabs\"><li class=\"active\"><a href=\"#tab1364-1\" data-toggle=\"tab\">Graph<\/a><\/li><li class=\"\"><a href=\"#tab6066-1\" data-toggle=\"tab\">Table<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab1364-1\" class=\"tab-pane active \"><iframe id=\"datawrapper-chart-NBPxG\" title=\"BNPL adoption among age groups in 2024\" width=\"100%\" height=\"442\" scrolling=\"no\" aria-label=\"Stacked Columns\" src=\"https:\/\/datawrapper.dwcdn.net\/NBPxG\/1\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><\/div><div id=\"tab6066-1\" class=\"tab-pane \"><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\">\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Generation<\/th>\n                            <th scope=\"col\">Percentage using BNPL<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>Generation Z<\/td>\n                            <td>65%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Millenials<\/td>\n                            <td>73%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Generation X<\/td>\n                            <td>51%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Baby boomers<\/td>\n                            <td>29%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Silent generation<\/td>\n                            <td>17%<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><\/div><\/div><h3>How many BNPL users pay late fees?<\/h3><p>Many BNPL providers have introduced late repayment fees, including Klarna, which began charging them in March 2023. <\/p><p>Our 2024 survey found that in the last 12 months, more than half (53%) of those who had used BNPL had been charged fees, with average fees per person at \u00a323.50. <\/p><p>This means an estimated 10.6 million Brits could have paid late fees in the previous 12 months, shelling out an eye-watering total of almost \u00a3250 million. <\/p><h3>How popular is BNPL in different UK regions?<\/h3><p>The use of buy now, pay later is highest in London, where more than 3 in 5 (63%) have used it at some point, and lowest in the South West of England, where 2 in 5 residents (40%) have used it at some point. Aside from this, there is not too much regional variation when it comes to BNPL usage.<\/p><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\">\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Region<\/th>\n                            <th scope=\"col\">Percentage using BNPL<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>Greater London<\/td>\n                            <td>63%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Scotland<\/td>\n                            <td>62%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Wales<\/td>\n                            <td>62%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>West Midlands<\/td>\n                            <td>61%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>North East<\/td>\n                            <td>58%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>North West<\/td>\n                            <td>57%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>East of England<\/td>\n                            <td>56%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Northern Ireland<\/td>\n                            <td>55%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>East Midlands<\/td>\n                            <td>52%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Yorkshire and the Humber<\/td>\n                            <td>46%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>South East<\/td>\n                            <td>46%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>South West<\/td>\n                            <td>40%<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><h3>Buy now, pay later market size in the UK<\/h3><p>Buy now, pay later (BNPL) now accounts for 8% of all physical and online payments in the UK. This is forecast to grow to 9% by 2030.<\/p><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><h3 class=\"luna-sectionTitle\">Methodology<\/h3><p>Finder commissioned Censuswide to carry out a nationally representative survey of adults aged 18+. A total of 2,000 people were questioned throughout Great Britain between 3 January and 6 January 2026, with representative quotas for gender, age and region. The online survey has a margin of error of \u00b12.2% at a 95% confidence level. Censuswide follows the MRS Code of Conduct, ESOMAR principles, and is a member of the British Polling Council.<\/p><\/div><\/article><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Related research<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><a href=\"https:\/\/www.finder.com\/uk\/banking\/disposable-income-around-the-uk\">Disposable income around the UK<\/a><br><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/historical-price-tracker\">Historical price tracker<\/a><br><a href=\"https:\/\/www.finder.com\/uk\/banking\/average-price-of-a-coffee\">Average price of a coffee around the world<\/a><br><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/best-credit-cards\/valentines-day-statistics\">Valentine\u2019s Day spending statistics<\/a><br><a href=\"https:\/\/www.finder.com\/uk\/banking\/cost-of-living-calculator\">Cost of living calculator<\/a><br><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/millionaire-calculator\">Millionaire calculator<\/a><br><a href=\"https:\/\/www.finder.com\/uk\/banking\/mobile-internet-statistics\">Mobile phone usage statistics<\/a><br><a href=\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-research\/iphone-sales-statistics\">iPhone sales statistics<\/a><\/div>\n  <\/div>\n<\/li><\/ul><div data-tags=\"scale-surveys product-data-insight\">\n<h4>Click <a href=\"https:\/\/www.finder.com\/uk\/stats-facts\">here<\/a> for more research. 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