Buy Now Pay Later Statistics: Best 2026 Numbers

Buy now pay later statistics chart comparing BNPL default rates and loan stacking to credit card debt

Buy now pay later statistics tell a more complicated story than the “debt trap” headlines suggest. According to the Federal Reserve Bank of Richmond’s own 2026 research brief, BNPL loans actually charged off at a lower rate than credit cards in the most recent year measured — 1.83% versus 4.19%. And yet the same research … Read more