Poor Mental Health and the Use of Buy Now, Pay Later Loans

This is a Cross-Sectional Study study.

December 12, 2025JAMA Health ForumOpen Access

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Key Points

This research investigates the relationship between financial borrowing methods and mental health outcomes.
Cross-sectional study design
Assessment of probable depression, anxiety, and posttraumatic stress
Examination of association with buy now pay later loans
Increased likelihood of probable depression in users of buy now pay later loans
Higher rates of anxiety reported among individuals using these loans
Association observed with posttraumatic stress symptoms among users

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Cross-sectional study links buy now pay later loans with increased depression and anxiety in individuals, suggesting mental health implications.

This cross-sectional study examines the association between buy now, pay later loans and probable depression, anxiety, and posttraumatic stress.

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Shah et al. (2025) studied this question.

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