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Source document· February 3, 2026

United States Buy Now Pay Later Business Report 2026: A $258.4 Billion by 2031 from $107.38 Billion in 2025 Featuring PayPal, Afterpay, Affirm, Klarna, and Zip

View original at globenewswire.com
United States Buy Now Pay Later Business Report 2026: A $258.4 Billion by 2031 from $107.38 Billion in 2025 Featuring PayPal, Afterpay, Affirm, Klarna, and Zip Dublin, Feb…
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  • U.S. shoppers used BNPL for about $10.1 billion in spending between early November and Cyber Monday 2025, up around 9% year on year

    80% confidence

  • BNPL delivery is expected to converge further with card and wallet infrastructure, reducing standalone differentiation and favouring firms with strong ecosystem partnerships

    80% confidence

  • The market is forecast to grow at a CAGR of 15.1% from 2026-2031, expanding from USD 107.38 billion in 2025 to approximately USD 258.40 billion by end of 2031

    80% confidence

  • Roughly one-fifth of consumers with a credit record used BNPL in 2022

    80% confidence

  • The buy now pay later market achieved a CAGR of 23.8% during 2022-2025

    80% confidence

  • The BNPL payment market in United States is expected to grow by 19.1% on annual basis to reach US$127.94 billion in 2026

    80% confidence

  • BNPL users are more likely to have subprime or deep-subprime credit scores and higher balances on other unsecured debt

    80% confidence

  • Competitive intensity will increase as banks deepen instalment capabilities and wallets embed issuer-based BNPL

    80% confidence
What we know · the intelligence behind this page
Live from the substrate
What we're seeing
Q4 2026 Biopharma Catalyst Cluster: Late-Stage Readouts and Regulatory Milestones
October 2026 brings a dense run of Phase 3 wins (ALOFT-IPF, RESTORE-3), new data presentations (Roche, Bayer, Lilly, Vertex, Galderma) and regulatory steps (FDA acceptance of Roche's vamikibart BLA, Scholar Rock's EMA resubmission). The next big catalyst is the ivonescimab FDA PDUFA date on 2026-11-14. Obesity combination studies (REDEFINE 4, TOGETHER-PsO) and the 2027 Maritime-1 completion point to more catalysts ahead. QAIAx's speculative AI-linked trial claims (the QIII pilot, targeted for 2027) are an unrelated micro-cap sideshow with weak evidence, and have little in common with the large-cap pipeline news.
Our read on the data ›
Signals we're tracking
EPKINLY Regulatory-Clinical Success Cascade
High probability of expanded label indications, additional combination approvals, and competitive positioning strength in follicular lymphoma market. Predicts positive commercial uptake and potential accelerated review for related indications.
Patterns we're watching ›
Where sources disagree
ING Group
Both facts record the same metric (shares_outstanding) for ING Group at the identical observation date (2025-12-31). FACT A states 2,902,437,688 shares; FACT B states 2,902 million shares (2,902,000,000). The difference is 437,688 shares (~0.015%). This is a genuine value conflict, though the discrepancy appears to result from FACT B rounding to the nearest million while FACT A provides the precise count.
We flag conflicts openly ›
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