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.
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