Closing the credit gap: 2026 outlook study
How credit shapes shopping behaviors, personal finances, and expectations for the year ahead – and what it means for your business.
Key insights from new Snap Finance research
Among consumers with credit scores below 670:
41%
say their current financial situation is unstable or very unstable
86%
have delayed a major purchase due to finances or the economy
66%
expect their financial situation to improve in 2026 but still have concerns
Cómo funciona Snap
A veces, usted necesita más tiempo para pagar, sin importar cómo estén sus finanzas. Obtenga lo que necesita ahora con Snap.
Encuentre una tienda.
Encontrar una tienda es el primer paso. Compre en miles de tiendas, en línea o cerca de usted.
Aplique
Aplique en minutos, en la tienda o en línea. Obtenga una decisión en segundos sin impacto en su puntaje FICO. ¹
Comience a comprar
Use su monto aprobado para obtener lo que quiere y necesita hoy, y pague después.
More time to pay means more business for you
Increased revenue
Reach more customers and close more sales with our strong approval rates1
Supercharged sales
58% of credit-challenged consumers spent more because financing was available2
Expanded reach
Target new and repeat business and generate revenue with our preapproved leads
Fast funding
Enjoy expedited payments, typically within two business days of merchandise delivery or completed invoice
Disclosures
Snap-branded product offering includes retail installment contracts, bank installment loans, and lease-to-own financing. For more detailed information, please visit snapfinance.com/legal/products
Findings based on Snap Finance’s proprietary research conducted through SurveyMonkey’s panel with 1,423 U.S. adults who are household financial decision makers. Respondents’ answers were categorized by their self-identified credit scores above or below 670. Snap Finance, December 2025.
1Not all applicants are approved. Approvals subject to underwriting qualification criteria.
2Merchant Pulse Study. Snap Finance, 2023.