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Gen Z’s Buy Now, Pay Later Habits in 3 Stats

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Buy now, pay later is one of Gen Z adults’ favorite financing options thanks to their wariness of credit and limited finances…

TL;DR

  • Young adults see BNPL as a tool to spend responsibly
  • Unlike credit, these interest-free payments make Gen Z adults feel like they can buy things they wouldn’t normally consider
  • Even with these benefits, over a third are still racking up debt
Gen Z is favoring a different kind of spending than previous gens: buy now, pay later (BNPL). YPulse’s Finance / Spending Monitor data shows 37% of 18-24-year-olds have used a “buy now, pay later” or payment installment service, with another 23% interested in it. Paying upfront isn’t always realistic for this gen—they’re juggling entry-level wages,...

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