Make decisions efficiently and confidently with buy now, pay later data

In today’s growing buy now, pay later (BNPL) market, the blind spot in credit transparency is increasing. Lack of consumer insights on BNPL loans introduces risks and challenges for lenders during credit decisioning — including mispricing credit risk, inaccurately forecasting consumer capacity and meeting compliance requirements related to undisclosed debt.

Separate from our traditional credit data, Experian® will provide visibility into BNPL activity and deliver advanced analytics based on millions of BNPL credit records.

We’re working with leading BNPL providers to drive greater transparency in the BNPL space, which will benefit lenders and consumers alike. As more BNPL information is reported to Experian, a consumer’s BNPL history will be visible to lenders who request to view it as part of an Experian credit report, enabling lenders to make more informed decisions.

Unlock opportunities and address the key needs of the growing market

Data you trust

Work with a trusted leader. We’ve partnered with some of the largest BNPL providers to draw on BNPL tradeline data and records.

Expand the lending universe

Increase financial access to thin-file consumers with responsible BNPL usage and a refined view of consumer payment behavior.

Make decisions faster

FCRA-compliant analytics enable informed decisioning so you can move faster with more confidence. 

Empower financial futures

Put your customers first, and advance financial inclusion efforts while maintaining responsible lending practices.

Who we serve

We work with lenders of all types, from fintechs specializing in BNPL to consumer alternative lending, point-of-sale lenders and traditional financial institutions.

Taking the financial district

BNPL lenders

Realize the benefits of accessing and sharing BNPL data. BNPL loan reporting won’t be factored into consumers’ traditional credit scores in the near term but may in the future as new credit scoring models are developed.

Women sitting talking

Traditional financial institutions

Level-up your existing capabilities and better assess and reduce risk with actionable insights and visibility into consumer repayment behavior. 

Buy now, pay later at Experian

Get ready to obtain deeper insights into the financial health of consumers for this growing market

Get ready

Insights

Stay on top of the latest trends and insights from our industry experts.

Guide

Making BNPL payments visible — the ultimate guide for lenders

Uncover the ways in which transparency of BNPL data can benefit consumers and drive financial inclusion.
Blog post

The dangers of Buy Now, Pay Never fraud

With rapid growth comes an increased risk of fraud, making “buy now, pay never” a crucial fraud threat.

Contact us to learn more

We’re here to help! If you’d like to learn more about our solutions, please fill out the form below.

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