Data Assets
Buy Now Pay Later
Our industry-leading approach supports Buy Now Pay Later (BNPL) growth while promoting responsible lending with positive consumer outcomes.
Who Uses BNPL Financing?
50 Million US consumers have used BNPL over the last 12 months. A large scale data study by Equifax reveals insights about consumers that apply for BNPL loans.
20%
up to 20% BNPL applicants are new to credit and have no credit file.
4x
more likely than general credit users to be a credit rebuilder with a sub-prime score.
60%
lower household savings and investments. Applicants are younger and less affluent.
Who We Serve
BNPL Resources
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Insights from Our Experts
- October 31, 2022 Preparing for the Holiday Shopping Season: Your Questions Answered Shopping is one of America’s favorite pastimes. During our last Market Pulse Webinar, "How to Prepar [...]
- October 27, 2022 How To Prepare For The Upcoming Holiday Shopping Season Many Americans are preparing for much-needed family time, general merriment, and gift giving this ho [...]
- September 16, 2022 BNPL Tailwinds and Headwinds After experiencing remarkable growth over the past couple years, what lies ahead for Buy Now Pay Lat [...]
- June 23, 2022 5 Data Nuggets to Boost BNPL Profits 2021 was a breakout year for BNPL in the U.S. BNPL gross merchandise value accelerated to $49 billio [...]
- May 11, 2022 Promoting Consumer Financial Health with BNPL As U.S. consumers continue to migrate their shopping habits toward online merchants and become more [...]
- March 21, 2022 Reduce Buy Now, Pay Later Fraud Risk The boom of BNPL and the fraud that comes with it Everyone is talking about Buy Now, Pay Late [...]
- March 01, 2022 Analysis: How Buy Now, Pay Later can Impact Consumer Credit Scores For our February 10 Market Pulse webinar, we discussed Buy Now, Pay Later and their effect on consum [...]
- February 28, 2022 FICO® and Equifax Answer Your Questions on BNPL We had an overwhelming attendance and response at this month’s Market Pulse webinar on the rising fi [...]
- December 17, 2021 Powering the Energy Market: Your Questions Answered For our December 2 Market Pulse webinar, our panel of experts discussed the current and future state [...]
- December 16, 2021 What to know about Buy Now, Pay Later Buy Now, Pay Later has continued global growth, with U.S. adoption up sharply over the last two year [...]
- December 10, 2021 Podcast: ‘Tis the Season for Buy Now, Pay Later Buy Now, Pay Later (BNPL) financing is soaring in popularity this holiday season. Consumers are usin [...]