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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

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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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BNPL users are more likely to have subprime or deep-subprime credit scores and higher balances on other unsecured debt
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
Roughly one-fifth of consumers with a credit record used BNPL in 2022
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
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
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
Competitive intensity will increase as banks deepen instalment capabilities and wallets embed issuer-based BNPL
80% confidence
The buy now pay later market achieved a CAGR of 23.8% during 2022-2025
80% confidence