Usage of the flexible payment method hit an all-time high on Cyber Monday, driving $1.03 billion in online spend (up 4.2% YoY), as consumers looked for greater flexibility in managing their holiday budgets. The vast majority of BNPL transactions are happening on a mobile device as well, at 79.4% share on Cyber Monday (vs. desktop). In an Adobe survey of over 1,000 U.S. consumers (conducted Nov. 2025), respondents said they were most likely to use BNPL for electronics, apparel, toys, and furniture purchases.
Source: Adobe Analytics.
The only BNPL service I ever use is PayPal. The math shows no interest and it will literally take out 1\4 of the total cost over a two month period which works great for me as I’m paid no weekly. Any other BNPL service is stupid because of the extra credit cost your paying on top of your carts price.