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.
Except many BNPL options are 0% interest rate. I just renovated an apartment with ikea stuff and they offered me 0% interest rate over 1 year - it makes no sense to not take this offer.
Many companies would gladly lose 4% (avg inflation) to guarantee a sale especially when dipping on loans are basically impossible today for the average consumer.
Until you miss a payment and they hit you with the fine for missing a payment.
THEY HAVE TO MAKE MONEY!
They’re still in the acquire customers and market share phase and the number of providers is increasing. Increase in fees and predatory aspects comes later in the enshittification phase.
What other fees are involved? Any monthky admin fees etc? If not then I 100% agree BNPL is the way to go
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I’m not sure but Ikea’s BNPL here has 0 fees.