TAMPA, Fla. — For the first time, Adobe Analytics, which tracks consumer spending , says more than $1 billion was spent using "buy now, pay later" programs on Cyber Monday.

What You Need To Know • Adobe estimates $10 billion was spent using "buy now, pay later" from Nov. 1 through Dec. 1 • One University of South Florida professor is warning consumers, saying using the platforms can be a "slippery slope" • Information from Adobe estimated that the use of "Buy Now, Pay Later" has risen 9% in the past year

During the month of November 2025, Adobe estimates $10.1 billion was spent using the flexible payment method.

It's a sizeable chunk of the $137 billion reportedly spent during that same time period, up 9% from the previous year, Adobe reported.

“Historically, we saw it in areas f

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