Buy-Now Pay-Later Companies In $3.9 Trillion Market Are On Regulators Watchlist BNPL companies like Klarna and Affirm have caused regulators to worry their products are harming consumers. With the BNPL market expected to reach $3.98 trillion by 2030, many consumers don’t realize BNPL plans are a form of credit or a loan, and 27% of Black households are late paying their debts.