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.
When I was younger and was just freshly moved out, I used BNPL 0% interest a lot (iirc it was Newegg, was like 15 years ago). It was kind of necessary to get a computer and I had just got an RA contract that paid stipends monthly, guaranteed for 5 years.
If you already have money and can get 0% interest, you can reinvest that cash as long as you can guarantee a payoff (set reminders!). You can put that $2,000 in a CD for that exact amount of time, too, and earn yourself back 3%-4%. That said, they might have caught onto my grift cause they usually offer 5% back OR 0% interest, lol.