"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."