A quarter of North consumers -Americans fund Queviures with Buy Now, later pay as economic pressures are reached, according to Survey, according to Survey

• Consumers feel the compression of economic uncertainty And it is becoming more to finance essential purchases such as groceries. A April Lending Tree Survey shows an increase in North -Americans who now use Buy, pay further services for groceries: 25% this year compared to 14% by 2024.

North -Americans are taking advantage of financing options for essential purchases, the latest sign of the economics health concern. Consumers have increasingly resorted to the purchase-panel-latter services (BNPL) for groceries, according to data published by the loan market loan, and more of these buyers pay these late loans.

A quarter of buyers have used BNPL for groceries, up to 14% used a year ago, according to a Loan Trees Survey of 2,000 North -Americans made in early April.

In the meantime, 41% of respondents said they paid for their loan by the end of last year, although the vast majority have returned the money in a week or less. Men, young people, and higher income borrowers were more likely to make late payments.

The increase in the popularity of the BNPL has coincided with the fear of recession as a result of uncertainty around rates and interest rates. The feeling of consumers has continued to weaken –With the index that fell to 52.2 last week from 57 a month before. A ballot by Associated press-Norc Center for Public Affairs Research found that half of the North -Americans are “extremely” or “very” worried about the possibility of a recession in the coming months.

“It is quite clear that as people struggle with inflation and other types of economic uncertainty, people seek things like BNPL loans to help them expand their budget,” said Matt Schulz, consumer finance analyst of the loans of the loan. Fortune.

BNPL – a service that allows users to pay a purchase in incremental pieces – has become an attractive option for consumers interested in avoiding the risks associated with a credit card or paying interests of a loan. However, the money system without money can also lead to expenditure and stacking of debtAllowing credit companies that offer the service to jump hidden rates.

The payment strategy made inroads among high winners Looking for luxury products, but their growing popularity may change in people’s financial priorities.

“When you buy now, Pay started later, usually this was designers and things that are like that,” said Schulz. “But now, people look at it for things like groceries and delivery of food.”

Growing hunger for bnpl

BnPL services offered as afterpay and klarna are already New points have been found With consumers. Doordash Last month announced a association with Klarna to allow customers to delay or divide the payments of food orders. All the time, the loan service is still popular for ticket purchases. Billboard found 60% of general entry tickets For the Music Festival, Coachella used a payment plan for the event. Festival attendees could pay up to $ 49.99 ahead of $ 599 price.

BNPL ubiquity may indicate increasing comfort with financial risks, especially among younger expenses.

“We have a game economy,” said economic commentator on Gen Z, Kyla Scanlon On social media Last month. “We have Memecoin, sports betting. We love a good vice in the United States and we can do it completely friction. The same, we do not even have to put -pants.”

At the same time, consumers generally try to avoid the risk in times of economic uncertainty and the increase in BNPl opportunities indicates that consumers interpret the service as less risky, although it does not help buyers to build a credit that can help them down financially. With the current economic background, wait for these loans to be popular, Schulz predicted.

“I don’t think there is a reason to believe that this will do more than it will increase,” he said.

This story originally presented to Fortune.com