{
  "id": 2098427,
  "title": "BNPL Finds an Audience Among Super-Prime Shoppers",
  "url": "https://urgent.news/2026/08/20/bnpl-finds-an-audience-among-super-prime-shoppers",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-08-20T08:00:25.000Z",
  "source": {
    "name": "PYMNTS",
    "slug": "pymnts",
    "url": "https://www.pymnts.com/bnpl/2026/bnpl-finds-an-audience-among-super-prime-shoppers/"
  },
  "original_language": "en",
  "account": "Buy now, pay later (BNPL) services are gaining traction among consumers who use multiple providers, with 82% of heavy multi-provider users willing to pay interest for longer repayment periods, compared to 46% of those who use only one provider. This suggests that BNPL's most active customers could serve as a natural market for longer-duration credit products. The report \"Beyond Pay in 4: Many BNPL Buyers Would Pay for More Time\" found that beyond the 82% in favor of longer repayment schedules, 14% would not accept interest, and 21% neither agreed nor disagreed. Among BNPL users, purchases above $500 showed the highest willingness to pay interest, at 76%. Credit quality also plays a role, with super-prime users showing the highest interest in longer repayment periods (76%) compared to prime and subprime users. Providers should focus on offering greater choice in repayment periods, as 88% of BNPL users desire the ability to choose the number of payments for a purchase.",
  "summary": "Consumers who spread their purchases across several buy now, pay later (BNPL) providers are also the ones most prepared to pay for something BNPL was built to avoid: interest. That distinction may impact how far the product can move beyond Pay in 4. The PYMNTS Intelligence report “Beyond Pay in 4: Many BNPL Buyers Would […] The post BNPL Finds an Audience Among Super-Prime Shoppers appeared first…",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}