Responding to changing regulation in the Buy Now Pay Later (BNPL)
42 % of UK adults have used BNPL services in 2025, up from 36% in 2023.
HOWEVER, ALONGSIDE THIS...
UNSECURED DEBT IS RISING 10 % The average unsecured debt increased by over over a two-year period (Finder, 2025)
These numbers have triggered a response.
REGULATION IS COMING The FCA is stepping in. New rules are on the way for third-party BNPL providers, including:
Required affordability checks Clear, fair advertising Stronger consumer protections
PROTECT AND GROW
These new rules will protect shoppers from debt traps and give the sector the certainty it needs to invest, grow, and create jobs.
- Emma Reynolds, Economic Secretary to the Treasury
TIME TO CATCH UP:
‘A New Chapter for BNPL’
LENDINGMETRICS.COM/NEWSFEED
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