BNPL Consumer Usage, Trust & Attitudes Survey

Welcome! This survey explores your experiences and opinions about Buy Now, Pay Later (BNPL) services. It should take about 6–8 minutes to complete. Your participation is entirely voluntary and you may stop at any time. There are no right or wrong answers — we are simply interested in your honest opinions. All responses are confidential, will be anonymized, and reported only in aggregate for research purposes.

Have you used a Buy Now, Pay Later (BNPL) service (e.g., Klarna, Afterpay, Affirm) in the past 12 months?

• Yes
• No
• Not sure

Which BNPL providers have you used in the past 12 months? Select all that apply.

• Affirm
• Afterpay
• Klarna
• PayPal Pay in 4 / Pay Monthly
• Sezzle
• Zip
• Bank-issued BNPL plan
• Other (please specify)
• None of the above

How likely are you to use a BNPL service in the next 6 months?

Please rank the following factors from most important (1) to least important when choosing a BNPL provider.

1. Total cost (interest and fees)
2. Length of installment plan
3. Spending or credit limit offered
4. Accepted at stores/websites I shop at
5. Ease of use at checkout or in-app
6. Transparency and clarity of terms

BNPL helps me manage larger purchases without financial stress.

Please rank your biggest concerns about using BNPL services, from most concerning (1) to least concerning.

1. Overspending or impulse buying
2. Hidden or unexpected fees
3. Building up debt
4. Impact on credit score
5. Difficulty with returns or refunds
6. Data privacy and security

In the next 3 months, for which of the following purchase categories would you consider using BNPL? Select all that apply.

• Electronics
• Clothing and fashion
• Travel
• Groceries
• Furniture and home goods
• Health and beauty
• Digital subscriptions
• Automotive and parts
• Other (please specify)
• None of the above

Based on your responses in this survey, is there anything else you would like to share about your experiences, feelings, or views on BNPL services?

What is your age?

• Under 18
• 18–24
• 25–34
• 35–44
• 45–54
• 55–64
• 65+
• Prefer not to say

Thank you for completing this survey! Your responses have been recorded and will help improve understanding of consumer BNPL experiences. If you have any questions about this research, please contact the research team.

Approximately how many times have you used a BNPL service in the past 12 months?

• 0 times
• 1 time
• 2–3 times
• 4–6 times
• 7–10 times
• More than 10 times
• Prefer not to say

What is the highest single purchase amount you would feel comfortable financing through BNPL?

• Under $50
• $50–$99
• $100–$249
• $250–$499
• $500–$999
• $1,000–$2,499
• $2,500–$4,999
• $5,000 or more
• I would not use BNPL
• Prefer not to say

I trust BNPL providers to be transparent about all fees and terms.

Imagine you are making a purchase of about $200 (or local equivalent). Which payment method would you most likely choose?

• Pay in full with debit or credit card (no balance carried)
• Use BNPL installments
• Use a credit card and carry a balance
• Would not make this purchase
• Other payment method

We'd like to understand your BNPL decision-making in a bit more depth. An AI moderator will ask you a couple of follow-up questions about how you decide when and why to use BNPL.

Which best describes your gender?

• Woman
• Man
• Non-binary
• Prefer to self-describe
• Prefer not to say

How important is a guarantee of no late fees when choosing a BNPL provider?

Using BNPL sometimes leads me to spend more than I originally planned.

What is the highest level of education you have completed?

• Less than high school
• High school or equivalent
• Some college, no degree
• Associate degree
• Bachelor's degree
• Master's degree
• Doctorate or professional degree
• Prefer not to say

I would recommend BNPL services to a friend or family member.

What is your current employment status?

• Full-time
• Part-time
• Self-employed
• Homemaker
• Student
• Unemployed
• Retired
• Prefer not to say

Which country do you currently live in?

• United States
• United Kingdom
• Canada
• Australia
• Germany
• France
• India
• Brazil
• Mexico
• Japan
• South Korea
• Nigeria
• South Africa
• Other (please specify)
• Prefer not to say