B
Evidence Grade B
Graded
accuracy verified by the review judge
Safe to Cite
Recent
39%
39% -- share of users reporting negative effects on health relationships or work for UK BNPL users (2025)
39% of BNPL users report negative effects on their health, relationships, or work.
Attribution:
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Lighthouse Research Team
Last verified:
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Source verified
Evidence graded
Value
39%
Unit
Percentage
Data Vintage
2025
Entity
Evidence Quality
B
Strong, reliable evidence
Sourced from a well-regarded research firm or industry leader with transparent methodology and a reasonably large sample.
Single source - not yet corroborated
Score breakdown
Extraction
75
Source Trust
60
Citation Chain
20
Independence
30
Methodology
45
Freshness
95
Source
Updraft (citing unnamed survey)
Primary
Tier B
https://www.updraft.com/clearing-card-debt/latest-bnpl-instalment-options-could-increase-debt-relate… ↗
Source Article
5 hidden risks of BNPL instalment plans - Updraft
- Instalment plans are letting banking customers split credit purchases into monthly payments, marketed as interest-free and convenient.
- However, this BNPL-style borrowing can encourage bigger spending and increase financial stress, according to data.
- Updraft Founder shares the top 5 hidden cost…
Original Research
Updraft (citing unnamed survey)
· Original study ↗
Methodology
Cited survey data referenced by Updraft; original survey publisher not named in text
Methodology documented
Segmentation
Industrymarketing
Cite this stat
Plain Text
UK BNPL users: 39% share of users reporting negative effects on health relationships or work. Source: Updraft (citing unnamed survey) (2025). Via Lighthouse Intelligence -- https://lighthousedata.io/data/bnpl-users-negative-health-effects-39pct
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<blockquote cite="https://lighthousedata.io/data/bnpl-users-negative-health-effects-39pct" style="border-left:3px solid #2563eb;padding:12px 16px;margin:16px 0;font-family:system-ui,sans-serif;background:#f0f4ff;"><strong>39%</strong> -- share of users reporting negative effects on health relationships or work for UK BNPL users<br><small>Source: Updraft (citing unnamed survey) (2025) · <a href="https://lighthousedata.io/data/bnpl-users-negative-health-effects-39pct" target="_blank" rel="noopener">Lighthouse Intelligence</a></small></blockquote>
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