Post by @BussyCat

In reply to 2 earlier posts

@King@blackneon.net on blackneon.net Open parent

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.

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@CaptainBlinky@lemmy.myserv.one on lemmy.myserv.one Open parent

I mean, even if it was 1 in 10 people that would still be like 30 bucks each. Most of those buy now pay later plans are interest free anyway.

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BussyCat in !lemmyshitpost

@BussyCat@lemmy.world · Dec 07

They have late fees and can have incredibly high interest if you pay late. 1 in 10 for $30 includes every single man, woman, and child in the United States. In reality there is a much smaller group spending much more money and developing a revolving door of debt where they are chronically in debt for non essential purchases and as soon as one of those payments goes late they will be slapped with a bunch of late fees and interest that will make them miss other payments and get even more late fees and interest until they end up underwater Klarna got 2.8B in revenue last year and they did it with those “interest free” loans

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