Young consumers increasingly turn to “buy now, pay later” (BNPL) services for everyday purchases like groceries and essentials, shifting from their traditional use for luxury items. Millennials and Gen Z comprise the majority of BNPL users, according to LexisNexis Risk Solutions. The trend reflects the growing acceptance of installment loans as a routine financial tool among younger demographics. Services like Afterpay witness a surge in staple purchases among their youngest users, indicating a broader adoption of BNPL for essential items. Despite concerns about potential overspending, many users view BNPL as a convenient way to manage finances without accruing credit card interest. As BNPL services continue to expand their reach, they offer consumers choice, convenience, and flexibility in managing their expenses.