PERSONAL LOANS/DEBT
BNPL Tracker: Nearly Half of BNPL Users Have Paid Late in the Past Year, Up for a Second Straight Year
LendingTree | A growing percentage of buy now, pay later (BNPL) users say they’ve paid late on one of these loans in the past year. Now, 47% of BNPL users have done so, up six percentage points from 2025 and 13 percentage points from two years ago. That’s just one of the troubling findings in LendingTree’s 2026 Buy Now, Pay Later Report. We asked consumers about their behaviors and perspectives regarding these popular loans. Along with increased late payments, we found that more users are buying groceries with these loans and carrying three or more BNPL loans at once, and that more than half of BNPL users say they wouldn’t be able to make ends meet without them.