Nearly 47% of Buy Now, Pay Later (BNPL) participants failed to make timely loan payments over the previous twelve-month period. This delinquency rate represents a 6-percentage-point increase compared to 2025 levels and a total rise of 13 percentage points over the past two years.
The trend of missed payments is particularly prevalent among specific demographic groups, including high-income earners, young adults, and men. Parents are also identified as a key demographic struggling with these debt obligations.