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Report Overview

The Australia buy now pay later services market is estimated to be valued at AUD 1201.08 million in 2025. It is expected to grow at a CAGR of 10.65% between 2026 and 2035 to reach almost AUD 3304.35 million by 2035.
  • Approx 40% of shoppers between 18 and 39 use the instalment payment offering in Australia.
  • The share of BNPL transactions in Australia has increased to 0.7% in 2022 from 0.5% in 2019.
  • The share of cash transactions among the total payments method have declined to 13% in 2022 from 37% in 2016.

Compound Annual Growth Rate

10.65%

Value in AUD million

2026-2035


Based on end use, Australia buy now pay later services market share is driven by its application in the leisure and entertainment sector.

The Australia buy now pay later services market is growing, as these services provide consumers with flexible payment options for a range of activities and experiences. It allows individuals to purchase tickets for concerts, festivals, sporting events, movies, and other entertainment activities without paying the full amount upfront. By spreading the cost over several instalments, attendees can enjoy these events without financial strain.

Australia Buy Now Pay Later Services Market Report Summary Description Value
Base Year AUD million 2025
Historical Period AUD million 2019-2025
Forecast Period AUD million 2026-2035
Market Size 2025 AUD million 1201.08
Market Size 2035 AUD million 3304.35
CAGR 2019-2025 Percentage XX%
CAGR 2026-2035 Percentage 10.65%
CAGR 2026-2035 - Market by Region New South Wales 12.1%
CAGR 2026-2035 - Market by Region Australian Capital Territory 9.6%
CAGR 2026-2035 - Market by Channel Online 11.7%
CAGR 2026-2035 - Market by End Use Consumer electronics 12.1%
Market Share by Region Western Australia 8.7%

Australia Buy Now Pay Later Services Market Report

These services are also extended to travel and accommodation bookings, making leisure travel more accessible and affordable. Travelers can secure flights, hotels, and vacation packages in advance and pay for them over time, enhancing the overall travel experience indicating the substantial growth in the Australia buy now pay later services market.

DoorDash and Afterpay have announced a partnership to offer BNPL on delivery apps in Australia. It has turned to buy now, pay later (BNPL) to target concerned consumers. The partnership offered app users additional convenience, allowing them to split payments over time. DoorDash customers saw the Afterpay option at checkout and were incentivised with three free months of DashPass subscription.

"Australia Buy Now Pay Later Services Market Report and Forecast 2026-2035" offers a detailed analysis of the market based on the following segments:

Market Breakup by Channel

  • Online 
  • Point of Sale (POS)

Market Breakup by Enterprise Size

  • Large Enterprises
  • Medium Enterprises
  • Small Enterprises

Market Breakup by End Use

  • Consumer electronics
  • Fashion and Personal Care
  • Healthcare
  • Leisure and Entertainment
  • Retail
  • Others

Market Breakup by Region

  • New South Wales
  • Victoria
  • Queensland
  • Australian Capital Territory
  • Western Australia
  • Others

Australia Buy Now Pay Later Services Market Share

The online channel is prominent in buy now pay later services as these services are typically integrated into e-commerce platforms, allowing consumers to purchase items and pay for them in instalments, making online shopping more accessible and flexible.

CAGR 2026-2035 - Market by Region
New South Wales 12.1%
Australian Capital Territory 9.6%
Others 8.5%
Victoria XX%
Queensland XX%
Western Australia XX%

Leading Companies in the Australia Buy Now Pay Later Services Market

The growth of the buy now pay later services market is fuelled by increasing flexible payment options in various industries and the introduction of BNPL services on delivery platforms.

  • Zip Co Limited
  • Afterpay Australia Pty Ltd.
  • Klarna Australia Pty Ltd.
  • humm BNPL Pty Ltd.
  • PayPal Credit Pty Limited
  • National Australia Bank Limited
  • Commonwealth Bank of Australia
  • Others

*While we strive to always give you current and accurate information, the numbers depicted on the website are indicative and may differ from the actual numbers in the main report. At Expert Market Research, we aim to bring you the latest insights and trends in the market. Using our analyses and forecasts, stakeholders can understand the market dynamics, navigate challenges, and capitalize on opportunities to make data-driven strategic decisions.*

Key Questions Answered in the Report

The Australia buy now pay later services market was valued at AUD 1201.08 million in 2025.

The market is projected to grow at a CAGR of 10.65% between 2026 and 2035.

The revenue generated from the market is expected to reach AUD 3304.35 million in 2035.

Based on the channel, the buy now pay later services market is bifurcated into online and point of sale (POS).

Key players in the industry are Zip Co Limited, Afterpay Australia Pty Ltd., Klarna Australia Pty Ltd., humm BNPL Pty Ltd., PayPal Credit Pty Limited, National Australia Bank Limited, and Commonwealth Bank of Australia among others.

Based on enterprise size, the buy now pay later services market is divided into large enterprises, medium enterprises, and small enterprises.

The different end use in the buy now pay later services market include consumer electronics, fashion and personal care, healthcare, leisure and entertainment, retail, and others.

The market is broken down into New South Wales, Victoria, Queensland, Australian Capital Territory, Western Australia, and others.

Report Summary

Explore our key highlights of the report and gain a concise overview of key findings, trends, and actionable insights that will empower your strategic decisions.

Key Highlights of the Report

Please note that the figures mentioned in the description serve as estimates and may vary from the actual figures presented in the final report.

Report Features Details
Base Year 2025
Historical Period 2019-2025
Forecast Period 2026-2035
Scope of the Report

Historical and Forecast Trends, Industry Drivers and Constraints, Historical and Forecast Market Analysis by Segment:

  • Channel
  • Enterprise Size
  • End Use
  • Region
Breakup by Channel
  • Online 
  • Point of Sale (POS)
Breakup by Enterprise Size
  • Large Enterprises
  • Medium Enterprises
  • Small Enterprises
Breakup by End Use
  • Consumer electronics
  • Fashion and Personal Care
  • Healthcare
  • Leisure and Entertainment
  • Retail
  • Others
Breakup by Region
  • New South Wales
  • Victoria
  • Queensland
  • Australia Capital Territory
  • Western Australia
  • Others
Market Dynamics
  • SWOT
  • Porter's Five Forces
  • Key Indicators for Demand
  • Key Indicators for Price
Competitive Landscape
  • Market Structure
  • Company Profiles
    • Company Overview
    • Product Portfolio
    • Demographic Reach and Achievements
    • Certifications
Companies Covered
  • Zip Co Limited
  • Afterpay Australia Pty Ltd.
  • Klarna Australia Pty Ltd.
  • humm BNPL Pty Ltd.
  • PayPal Credit Pty Limited
  • National Australia Bank Limited
  • Commonwealth Bank of Australia
  • Others

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