11%About 1 in 10of US buy now, pay later users had a payment trigger a bank overdraft or NSF fee in the prior year
11% of US buy now, pay later users had a payment trigger a bank overdraft or NSF fee in the prior year (2025, Board of Governors of the Federal Reserve System, Federal Reserve Board publications (SHED report, FEDS Notes, speeches))
Official dataChecked at source, 23 Oct 2026All sizesUSAE-commerce · Buy now, pay later
11% of US buy now, pay later users had a payment trigger a bank overdraft or NSF fee in the prior year (2025).
11%
the latest figure (2025)
Official data
type of source
Why you can trust it. Board of Governors of the Federal Reserve System, Federal Reserve Board publications (SHED report, FEDS Notes, speeches): official data, government statistics office or regulator. Federal Reserve SHED, US adults who used BNPL, fielded October 2025.
No changes recorded yet. First checked at the source on 23 Oct 2026.
Cite this number
APA
Board of Governors of the Federal Reserve System. (2026). 11% of US buy now, pay later users had a payment trigger a bank overdraft or NSF fee in the prior year. Via digitaltreed, https://digitaltreed.com/statistics/ecommerce/bnpl-users-overdraft-fee
MLA
"11% of US buy now, pay later users had a payment trigger a bank overdraft or NSF fee in the prior year." Board of Governors of the Federal Reserve System, Federal Reserve Board publications (SHED report, FEDS Notes, speeches), 2025. digitaltreed, https://digitaltreed.com/statistics/ecommerce/bnpl-users-overdraft-fee.
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<a href="https://digitaltreed.com/statistics/ecommerce/bnpl-users-overdraft-fee">11% of US buy now, pay later users had a payment trigger a bank overdraft or NSF fee in the prior year</a> (Board of Governors of the Federal Reserve System, 2025)
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FAQ
Questions about this number
What is the latest figure for buy now, pay later (USA)?
11% of US buy now, pay later users had a payment trigger a bank overdraft or NSF fee in the prior year, for 2025, according to Board of Governors of the Federal Reserve System, Federal Reserve Board publications (SHED report, FEDS Notes, speeches). We checked it at the source on 23 Oct 2026.
Related
More E-commerce statistics
Vendor dataAll sizesUSA
$20B
of US online holiday spending in 2025 was paid with buy now, pay later, up 9.8% (Adobe, vendor data)
Sample: Adobe Analytics data covering over 1 trillion visits to US retail sites, 100 million SKUs and 18 product categories, 1 Nov to 31 Dec 2025 (vendor).
