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.
People shouldn’t pay back. Its fake money after all, it has no real value, just made up debt value and promises and shit.
It’s not gold or silver
tell that to the collection agency at 4am.
Just ignore them. There’s no jail for people who owe money.
And they are just companies. They won’t extort you like the loan criminals in south america