Gen Z isn’t just using buy now, pay later (BNPL) for sneakers and gadgets anymore. A growing number are putting groceries and daily needs on installment plans.
According to LendingTree, 64% of Gen Z have used BNPL, and one-third have used it at least six times.
For some, it’s an easy way to space out purchases. For others, it’s how they get through the week.
1. Quick Mood Boost
Buying something new feels good, especially when life feels stressful. Psychologists have linked impulse spending to mood fixes.
BNPL makes it easier to get that little hit of happiness without a big payment upfront.
Even if the money isn’t there, a low first installment can make a purchase feel more doable.
2. Stretching Paychecks
Prices are up, and paychecks don’t go as far. More young adults are using BNPL just to cover essentials like food.
LendingTree found that some people now rely on BNPL to make it to payday. It’s not just about splurges anymore.
This can help in a pinch, but when it becomes a habit, it can be hard to break.
3. Feels Simple and Flexible
Apps and online checkouts have made BNPL feel quick and easy. A recent study found that Gen Z likes how flexible it is.
It gives them a sense of control. Instead of paying all at once, they can split it up and breathe a little easier.
4. Peer Influence
Young adults take cues from their social circles. When friends use BNPL, it feels more normal.
Some see it as smart money management. Others just want to avoid falling behind.
5. Wanting It Now
BNPL taps into something basic: we want things now, not later.
Even if someone knows it’ll cost more down the line, it’s easy to justify when the upfront hit is small.
That excitement of getting something right away can override long-term thinking.
6. Less Pain When Spending
Paying all at once can make you second guess a purchase. BNPL takes away that sting.
Breaking it into smaller amounts makes it feel lighter. It’s easier to click “buy now” when the price doesn’t feel real yet.
7. Not Thinking About the Impact
Some users don’t realize the long-term effects. BNPL used to fly under the radar, with no impact on credit scores.
That’s changing. Missed payments can now show up on credit reports.
But because it still feels separate from credit cards, many assume it’s harmless.
A Bigger Pattern
BNPL isn’t just a money tool; for many, it’s become a coping method.
If it’s being used to manage stress or delay hard choices, it could cause bigger problems later.
Late payments are already up. Research reports 41% of BNPL users missed a payment in the past year, up from 34% the year before.
Check Yourself
If you use BNPL, ask:
- Is this helping me budget or just making me feel better?
- Am I keeping track of what I owe?
- Would I still buy this if I had to pay in full now?
A Word of Caution
One financial expert warned in 2025, “missed payments can incur late fees, leading to potential debt accumulation.”
BNPL can be useful. But it’s worth thinking about why you’re using it, and whether it’s helping or hiding a bigger problem.