More than 45 million people ages 14 and older in the U.S. will use buy now, pay later (BNPL) services this year, according to eMarketer’s inaugural user forecast for these financing options. That’s up 81.2 percent over 2020, and the age range of BNPL users will widen over the coming years as well.

Back in 2018—when the key players of today, such as Affirm, Afterpay, and Klarna, were still establishing themselves as legitimate payment providers—more than 80 percent of BNPL users were millennials or Gen Zers 14 and over, eMarketer noted. That figure will drop to 73.2 percent this year, though younger consumers are still more willing than most to try alternative payment options.

Millennials will continue to make up the greatest share of the user base through the end of our forecast in 2025. Last year, more than 40 percent of BNPL service users were millennials. That said, Gen Z will eat into this share over the next four years, as this cohort ages into digital shopping, according to eMarketer.

Since BNPL payments became more mainstream, Gen Z digital buyers have been flocking to these alternative payment services in larger numbers than their millennial counterparts have. By the end of 2022, 44.1 percent of Gen Z digital buyers ages 14 and older will have used BNPL services at least once that year, compared with only 37.2 percent of millennial digital buyers.

To learn more about eMarketer’s analysis of BNPL trends, click here.