How to re-engage with customers using seasonal offers
Seasonal offers can create timely opportunities to reconnect with previous applicants and existing customers who have already shown interest in your business. By combining audience segmentation, personalized messaging, and responsible outreach practices, merchants may strengthen customer relationships, increase engagement, and support sales while maintaining compliance with applicable marketing and privacy requirements. Whether reaching out to customers who haven't purchased recently or encouraging previous applicants to explore current offers, seasonal campaigns may help keep your business top of mind during key shopping periods and create meaningful opportunities to re-engage interested audiences.
Key takeaways
Previous applicants, leads, and existing customers may already be familiar with your store and Snap Finance, which may make outreach more effective than starting with a completely new audience.
Segment contacts by application status, engagement date, or product interest, where permitted and appropriate, to deliver relevant seasonal offers.
Seasonal promotions create natural opportunities to re-engage with customers and reconnect with past applicants through timely messaging.
Personalized reminders, clear offer terms, compliant outreach practices, and easy opt-out methods may encourage customers to return.
Finding new customers is often expensive and time-consuming. Retailers invest in marketing, lead generation, and sales efforts, all to convince someone new to walk through their doors.
But what if some potential customers are already in your database? Learning how to re-engage with customers and reconnect with appropriate past Snap Finance applicants may provide another path to sales.
Seasonal moments provide a natural reason to reconnect. A well-timed store offer can be the nudge a customer or past applicant needs to return and consider completing a transaction. With a thoughtful, compliant approach to seasonal marketing, you can turn past interest into renewed engagement. Keep reading to learn how to re-engage with customers and reconnect with appropriate prior applicants using seasonal offers.
Keep in mind that when contacting customers, leads, or previous applicants, you must comply with your Merchant Agreement and all applicable state and federal laws. All calls to prospective customers must be manually dialed and otherwise comply with the Telephone Consumer Protection Act (TCPA), Telemarketing Sales Rule, consent requirements, and applicable opt-out obligations. Any use of applicant information for marketing purposes should be reviewed by Legal and Privacy teams.
Why previous applicants and existing customers can be valuable audiences
It's easy to assume that if someone didn't complete a purchase after applying for financing, they simply aren't interested. But life gets in the way. A shopper might have been browsing, waiting for the right time to buy, or simply forgotten to come back. Their lack of action is not necessarily a sign of dissatisfaction with your store or with Snap Finance.
Previous applicants and existing customers may be valuable audiences for several reasons:
They are already familiar with you: They have interacted with your store, website, or access to financing before. That familiarity may help make future outreach more relevant.
They have shown prior interest: Previous applicants have already taken a meaningful step in the shopping journey. However, prior application results, approvals, or eligibility decisions may expire over time, and future approval is never guaranteed.
They may just need a reminder: A friendly reminder about your store, current products, or seasonal promotions may encourage someone to revisit an item they once considered.
How can you re-engage with customers and past applicants effectively?
To create effective campaigns, avoid sending the same message to everyone. Segmentation helps you group contacts based on shared characteristics so you can deliver more relevant messaging.
Before using application or customer information for marketing, verify that your intended use complies with your Merchant Agreement, privacy requirements, customer consent obligations, and applicable laws. Legal and Privacy review is recommended for any audience segmentation involving applicant information.
Look at your list of customers and previous applicants using approved data sources such as your store CRM or the Snap Finance Merchant Portal. Here are several ways merchants may evaluate and organize audiences, where permitted:
By application status
Approved but never purchased: These individuals expressed strong interest but did not complete a transaction. Consider seasonal promotions that encourage them to return and explore current offers.
Expired approval or previous decision: If a prior approval or decision is no longer active, encourage customers to learn about current offers and, if appropriate, submit a new application. Previous approvals do not guarantee future approval.
Incomplete application: People who started but did not finish the application process may benefit from a reminder about available products, current promotions, or next steps.
By last engagement date
Grouping contacts by when they last engaged with your business, such as 30 to 60 days ago versus six or more months ago, can help shape your messaging cadence. More recent contacts may respond to a simple reminder, while less active audiences may benefit from a stronger seasonal offer.
By product interest
If your systems track product categories appropriately and in accordance with applicable privacy requirements, tailor offers to demonstrated interests. For example, someone who was shopping for a mattress may find mattress-related promotions more relevant than an offer for another category.
Re-attracting customers with seasonal campaigns
Seasons and holidays create natural buying moments. Aligning your outreach with these events helps your marketing feel timely and relevant. The goal is to connect a seasonal need with a product or service your business offers.
Campaign types to consider
"Time to Refresh" campaigns (spring or fall): Frame offers around seasonal transitions. Promote furniture, appliances, or mattresses with messaging such as "Refresh your home this spring" or "Get ready for winter."
Holiday-specific promotions (Black Friday, Presidents Day, and similar events): High-intent shopping periods may create opportunities to highlight seasonal promotions and available products.
"We Miss You" campaigns: For customers who have not engaged recently, a simple check-in accompanied by a relevant seasonal offer may be effective.
When promoting seasonal offers, make sure all advertising accurately reflects current offer terms, timelines, availability, and any applicable conditions.
Messaging tips for success
When crafting your messages, lead with customer benefits and keep communication relevant and respectful.
Embrace timeliness: When accurate and appropriate, use phrases such as "Limited-Time Offer," "Ends Friday," or "Offer Valid Through Sunday."
Make it personal: Use the customer's first name and tailor messaging to previous interactions where permitted.
Respect customer preferences: Honor consent requirements, provide clear opt-out instructions, and avoid excessive contact frequency that may frustrate recipients.
Responsible ways to stay top of mind
Beyond email and text outreach, merchants may use other approved marketing channels to maintain awareness of their business. Any marketing strategy involving applicant or customer information should be reviewed by Legal and Privacy teams before implementation.
Focus on delivering relevant, respectful messaging and maintaining reasonable communication frequency. The goal is to provide useful reminders, not create an intrusive experience.
Tracking and attribution
How do you know if your efforts are working? Proper tracking helps you evaluate campaign performance and improve future outreach.
Track redemption activity: Use unique promotional codes or campaign identifiers when appropriate to understand which offers generate engagement.
Monitor response rates: Measure opens, clicks, responses, or other engagement metrics to identify the most effective campaigns.
Review attributable sales: Analyze aggregate campaign performance to understand how seasonal outreach contributes to revenue and customer activity.
Set clear goals: Establish measurable objectives before launch, such as increased store traffic, redemptions, or sales, so you can evaluate success consistently.
Past customers and previous applicants may already know your business. With thoughtful seasonal campaigns, relevant messaging, and responsible outreach practices, you can strengthen existing relationships and create new opportunities for growth.
Snap Finance helps merchants provide access to payment methods including lease-to-own financing and loan options that may support customer purchasing decisions while helping businesses grow.
Ready to re-engage with previous applicants and customers with Snap Finance?
Ready to get started? Apply to become a Snap Finance partner and explore how financing may support your customers. If you're already a Snap Finance merchant, you can access marketing tools, promotional materials, and additional business resources in the Snap Finance Merchant Portal.
Interested in learning more? Check out these articles from Snap Finance:
How can I turn retail lease-to-own financing approvals into more sales?
The future of retail financing: What business owners need to know
Omnichannel financing: How to offer Snap seamlessly in store and online
Snap Finance, its affiliates, and partners offer consumers a range of solutions, which may include lease-to-own financing, retail installment contracts, installment loans, and credit cards. Product availability may vary by state, merchant, industry, and qualification criteria. Certain products are issued by independent merchants or bank partners and serviced by Snap Finance LLC. For more information, visit https://snapfinance.com/legal/products