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.
I don’t do this for many things but i do use it sometimes
I’ve used care credit because a single emergency vet bill can be pricey and while I could empty my savings that’s not the best idea. So I just pay it off within the promotional period. Worse case scenario I am in a position to secure a traditional personal loan to completely pay off that balance at a more favorable interest rate.
I used a 0% intro rate travel card for a European vacation once and it was great paying that off over a year.
That being said I wouldn’t finance groceries or Christmas shopping. That’s going a bit far