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Explore our Research →Nonessential spending slumps amid tariff price hikes
Article |
Jul 15, 2025
JIC’s measurement audit shows a sector diversifying beyond Nielsen
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Jul 15, 2025
Marketers rush to unify social, CTV strategies
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Jul 15, 2025
AI summaries in Google’s news feed could undercut publisher traffic—again
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Jul 15, 2025
Critics of UnitedHealth Group get louder as the health insurer attempts to quiet them
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Jul 15, 2025
Shopify adds AI agent guardrails to protect its business model
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Jul 15, 2025
Bank earnings show consumer strength as delinquencies fall, spending rises
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Jul 15, 2025
Search engines reign, but social has standing in Latin America
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Jul 14, 2025
Timing, targeting, and transformation: Inside Every Man Jack’s full-funnel strategy
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Jul 14, 2025
Why commerce media networks have grown so quickly
Article |
Jul 14, 2025
About
Our Methodology
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Learn More →Affirm Payment Spending, per User
Source: EMARKETER Forecast, June 2025 - June 2024
Note: average annual spending among Affirm users ages 14+; includes products or services paid with Affirm; excludes payments such as bill pay, taxes, or money transfers, gambling and other vice goods sales
Additional Note: Buy now, pay later (BNPL) services are defined as installment loan solutions that allow consumers to purchase and finance a product or service and pay in scheduled installments. These services are also known as digital installments, installment lending, and point-of-sale financing. Loan options include no-interest loans, as well as interest-based loans of a predetermined duration. BNPL loans can be accessed at the point-of-sale (online or in-person), usually via a BNPL loan provider's branded app, via a merchant’s website or app, or via proximity mobile payment apps like Apple Pay and Google Pay. Examples include Affirm, Afterpay, Klarna, Zip, and PayPal’s BNPL service. Some short-term, no-interest loans can be accessed only at retailers. Examples include Bread Pay and SetPay. Services that provide a revolving line of credit, retailer-branded financing options, closed-loop marketplace financing services, and card-linked installment services are excluded.
Methodology: Estimates are based on the analysis of survey and web traffic data from research firms, historical consumer adoption and buying trends, payment adoption trends, reported company data, interviews, demographic and socioeconomic factors, and macroeconomic conditions.