B
Evidence Grade B
Graded
accuracy verified by the review judge
Safe to Cite
Recent
51%
51% -- share of bnpl users borrowing to repay for BNPL users aged 18-34 (2025)
Among BNPL users aged 18 to 34, 51% had borrowed from other sources to pay off what they owed in BNPL debt.
Attribution:
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Lighthouse Research Team
Last verified:
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Source verified
Evidence graded
Value
51%
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
Citizens Advice
Primary
Tier B
https://savanta.com/knowledge-centre/view/bnpl-regulation-is-shifting-heres-what-you-need-to-know/ ↗
Source Article
BNPL regulation is shifting – here’s what you need to know - Savanta
Buy Now Pay Later has operated in a regulatory grey zone for almost a decade. That ends on 15 July 2026, when the FCA’s new rules bring Deferred Payment Credit – the formal name for interest-free BNPL – under full regulatory oversight for the first time.
The final rules, published in February 2026 (…
Original Research
Citizens Advice
· Original study ↗
Methodology
Citizens Advice research
Methodology documented
Segmentation
Industrymarketing
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Plain Text
BNPL users aged 18-34: 51% share of bnpl users borrowing to repay. Source: Citizens Advice (2025). Via Lighthouse Intelligence -- https://lighthousedata.io/data/young-bnpl-users-borrowed-to-repay-2025
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<blockquote cite="https://lighthousedata.io/data/young-bnpl-users-borrowed-to-repay-2025" style="border-left:3px solid #2563eb;padding:12px 16px;margin:16px 0;font-family:system-ui,sans-serif;background:#f0f4ff;"><strong>51%</strong> -- share of bnpl users borrowing to repay for BNPL users aged 18-34<br><small>Source: Citizens Advice (2025) · <a href="https://lighthousedata.io/data/young-bnpl-users-borrowed-to-repay-2025" target="_blank" rel="noopener">Lighthouse Intelligence</a></small></blockquote>
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