"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."