China had roughly 14 million more buy now, pay later users in 2022 than the United States, and nearly 40 million users more than Brazil. This is according to a model that tried to estimate the number of BNPL and flexible credit users across multiple countries in the world. Whilst it may not be surprising that some of the world's most populous countries also have the highest number of BNPL users, it should be noted that the penetration of buy now, pay later is different between the countries. Germany, for instance, is estimated to have 11.6 million BNPL users in this statistic. This would equal roughly 14 percent of Germany's population. For China, the 78.5 million users listed here would be approximately four percent of that country's population.
Leading countries in the world with the highest number of buy now, pay later (BNPL) users as of 2022
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Number of BNPL users in millions
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total number of digital BNPL & flexible credit unique users; The source does not clarify the companies used, and whether this includes domestic providers or not
Supplementary notes
All figures provided are estimates.
The source did not provide data on other countries and/or other years, and did not clarify the year for the data provided. It is assumed that it refers to 2022 - as the source usually reports either 2022 or 2027 in its studies as of May 2023.
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Juniper Research. (May 30, 2023). Leading countries in the world with the highest number of buy now, pay later (BNPL) users as of 2022 (in millions) [Graph]. In Statista. Retrieved July 16, 2024, from https://www.statista.com/statistics/1388354/buy-now-pay-later-users-by-country/
Juniper Research. "Leading countries in the world with the highest number of buy now, pay later (BNPL) users as of 2022 (in millions)." Chart. May 30, 2023. Statista. Accessed July 16, 2024. https://www.statista.com/statistics/1388354/buy-now-pay-later-users-by-country/
Juniper Research. (2023). Leading countries in the world with the highest number of buy now, pay later (BNPL) users as of 2022 (in millions). Statista. Statista Inc.. Accessed: July 16, 2024. https://www.statista.com/statistics/1388354/buy-now-pay-later-users-by-country/
Juniper Research. "Leading Countries in The World with The Highest Number of Buy Now, Pay Later (Bnpl) Users as of 2022 (in Millions)." Statista, Statista Inc., 30 May 2023, https://www.statista.com/statistics/1388354/buy-now-pay-later-users-by-country/
Juniper Research, Leading countries in the world with the highest number of buy now, pay later (BNPL) users as of 2022 (in millions) Statista, https://www.statista.com/statistics/1388354/buy-now-pay-later-users-by-country/ (last visited July 16, 2024)
Leading countries in the world with the highest number of buy now, pay later (BNPL) users as of 2022 (in millions) [Graph], Juniper Research, May 30, 2023. [Online]. Available: https://www.statista.com/statistics/1388354/buy-now-pay-later-users-by-country/