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In the past year, have you ever been late making a payment for something you bought using a Buy Now, Pay Later service?
Late on a Buy Now, Pay Later payment · Asked in 5 waves, 2021–2025 · 7,515 responses · weighted estimates computed from individual responses
Shares of people who gave an answer. Each column is one wave, evenly spaced rather than to scale in time; hover for exact shares.
Shares of people who gave an answer. A group’s column is left blank in waves where its effective sample is under 50; hover for exact shares.
| Group | No | Yes | n | MoE | |
|---|---|---|---|---|---|
| All respondents | 74% | 26% | 2004 | ±2 | |
| White | 79% | 21% | 977 | ±3 | |
| Black | 68% | 32% |
| Poll | Field dates | Mode | Respondents | Responses |
|---|---|---|---|---|
| SHED 2025 8 imputed values recoded to -1. | 2025-10-17 to 2025-10-28 | web | 12,934 | 2,004 |
| SHED 2024 12 imputed values recoded to -1. | 2024-10-18 to 2024-10-31 | web | 12,295 | 1,670 |
| SHED 2023 7 imputed values recoded to -1. | 2023-10-20 to 2023-11-05 | web | 11,400 | 1,455 |
| SHED 2022 7 imputed values recoded to -1. | 2022-10-21 to 2022-11-01 | web | 11,667 | 1,279 |
| SHED 2021 8 imputed values recoded to -1. | 2021-11-01 to 2021-11-30 | web | 11,874 | 1,107 |
| 438 |
| ±5 |
| Hispanic | 74% | 26% | 444 | ±5 |
| Asian | 84% | 16% | 72 | ±13 |
| Other | 51% | 49% | 73 | ±13 |
SHED 2025 · US adults 18+. Shares of people who gave an answer. n is unweighted; ± is the 95% margin of error at 50% from the weighted effective sample. Groups with an effective sample under 50 are grayed; under 20, hidden.