How Much Are People Spending with Buy Now, Pay Later This Holiday Season?
Written by DJ Sight on December 15, 2025
This holiday season, U.S. shoppers are expected to spend $18–20 billion using BNPL. On average, each BNPL user puts down $450–$500 in installments for gifts, electronics, and more.
Who uses it most? Younger adults and tech-savvy shoppers lean heavily on BNPL for electronics, clothing, and gifts. While it can make holiday shopping more affordable in the short term, carrying too many installments can quickly turn into debt.
WDKX Holiday Stream