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United States Buy Now Pay Later Business Report 2026: A $258.4 Billion by 2031 from $107.38 Billion in 2025 Featuring PayPal, Afterpay, Affirm, Klarna, and Zip

globenewswire.com
PYPL Mentioned as a key player in the growing US Buy Now Pay Later market, but no specific positive or negative performance indicators are provided for PayPal itself. AFRM Mentioned as a key player in the growing US Buy Now Pay Later market, but no specific positive or negative performance indicators are provided for Affirm itself.

Dublin, Feb. 03, 2026 (GLOBE NEWSWIRE) -- The "United States Buy Now Pay Later Business and Investment Opportunities Databook - 90+ KPIs on BNPL Market Size, End-Use Sectors, Market Share, Product Analysis, Business Model, Demographics - Q1 2026 Update" report has been added to ResearchAndMarkets.com's offering.

The BNPL payment market in United States is expected to grow by 19.1% on annual basis to reach US$127.94 billion in 2026. The buy now pay later market in the country has experienced robust growth during 2022-2025, achieving a CAGR of 23.8%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 15.1% from 2026-2031. By the end of 2031, the BNPL sector is projected to expand from its 2025 value of USD 107.38 billion to approximately USD 258.40 billion.

Competitive intensity will increase as banks deepen instalment capabilities and wallets embed issuer-based BNPL. Merchant bargaining power will remain high, leading providers to differentiate through underwriting quality, dispute-handling processes, and funding efficiency rather than price alone. BNPL delivery is expected to converge further with card and wallet infrastructure, reducing standalone differentiation and favouring firms with strong ecosystem partnerships.

Current State of the Market

Key Players and New Entrants

Key Trends and Drivers

See BNPL move into the mainstream while concentrating on financially stretched borrowers

Transitioning from usage trends, we now examine BNPL's evolving regulatory and policy landscape.

Key Attributes:

Report Scope

United States Buy Now Pay Later Companies

United States Retail Industry & Ecommerce Market Size and Forecast

United States Buy Now Pay Later Market Size and Industry Attractiveness

United States Buy Now Pay Later Revenue Analysis

United States Buy Now Pay Later Operational KPIs

United States Buy Now Pay Later Spend Analysis by Business Model

United States Buy Now Pay Later Spend Analysis by Purpose

United States Buy Now Pay Later Spend Analysis by Merchant Ecosystem

United States Buy Now Pay Later Spend Analysis by Distribution Model

United States Buy Now Pay Later Spend Analysis by Channel

United States Buy Now Pay Later By End-Use Sector: Market Size and Forecast

United States Buy Now Pay Later By Retail Product Category: Market Size and Forecast

United States Buy Now Pay Later Analysis by Consumer Attitude and Behaviour

For more information about this report visit https://www.researchandmarkets.com/r/8keuwl

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