Late payments hit 47% among Buy Now, Pay Later users

The claim closely matches the validated LendingTree page titled 'Nearly Half of BNPL Users Have Paid Late in the Past Year, Up for a Second Straight Year.' That source explicitly states that 47% of BNPL users paid late in the past year, up six percentage points from 2025 (41%) and 13 points from 2024 (34%). It also describes higher incidence among specific consumer groups in the report's findings, such as parents with children under 18, millennials, and Gen Z users across related BNPL strain indicators. The older LendingTree article '1 in 3 BNPL Users Paid Late in Past Year' is consistent with the 34% 2024 baseline cited in the 2026 report. The main limitation is that the X post itself could not be fetched directly, but the underlying statement is strongly corroborated by the validated source.