"Nearly half of buy now, pay later users say they’ve paid late on a BNPL loan in the past year. 47% of users say they’ve paid late in the past year, up from 41% in 2025 and 34% in 2024. (Another 15% say they’ve paid late before, but not in the past year.) However, 72% of late payers say their most recent late payment was no more than a week or so late."

"More than 4 in 10 (41%) users of buy now, pay later (BNPL) loans say they paid late on one of them in the past year, up from 34% just a year ago, according to a LendingTree survey. That’s just one of several troubling findings from our survey, which asked people about their behaviors and perspectives regarding these popular loans. Along with increased late payments, we found a significant number of borrowers who take on these loans use them to buy groceries or takeout and believe that successfully managing one will boost their credit score. (Spoiler: It doesn’t … at least not yet.)"

"More than 4 in 10 (41%) users of buy now, pay later (BNPL) loans say they paid late on one of them in the past year, up from 34% just a year ago, according to a LendingTree survey. Along with increased late payments, we found a significant number of borrowers who take on these loans use them to buy groceries or takeout and believe that successfully managing one will boost their credit score."

"More than 4 in 10 (41%) users of buy now, pay later (BNPL) loans say they paid late on one of them in the past year, up from 34% just a year ago, according to a LendingTree survey. That’s just one of several troubling findings from our survey that asked people about their behaviors and perspectives around these popular loans. Along with increased late payments, we found a significant number of borrowers who take on several of these loans at one time, use them to buy groceries or takeout and believe that successfully managing one will boost their credit score."