Ten percent of Americans report using installment plans frequently when making purchases online, and another 17% use them occasionally. A total of 51% have used installment plans for online purchases, while 48% say they never have.
Lower-income Americans (those with annual household incomes under $48,000) are more likely to frequently or occasionally use installment payments (37%) than middle-income (between $48,000 and $89,999) and higher-income (at least $90,000) Americans are (29% and 21%, respectively). There are no statistically meaningful differences in installment-plan use by age, education or gender.
The results are based on an April 1-15 survey of 1,024 U.S. adults who are members of the Gallup Panel. Gallup did not ask respondents which types of purchases they use these installments for or how much they spend on purchases with these plans.
Around half of Americans have used "buy now, pay later" installment plans for online purchases, including 10% who use them frequently, according to a new Gallup survey. https://t.co/4ZEqYj4LnB
— Tulsa's News Pulse | KTUL (@KTULNews) May 20, 2026
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