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.

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Tablet displaying a financial report titled "Closing the Credit Gap" with graphs on consumer financial confidence and credit scores.

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.

Man thinking with hand on chin, surrounded by financial icons. A chart shows 39% with graphs and currency symbols on a blue background.

Man in denim shirt thinking beside a pie chart showing 39%, surrounded by icons of graphs and coins on a blue background.

Aplique

Aplique en minutos, en la tienda o en línea. Obtenga una decisión en segundos sin impacto en su puntaje FICO. ¹

A woman using a laptop, surrounded by shopping and percentage icons, with a 29% display.

Woman using a laptop, surrounded by shopping icons and a 29% graphic on a blue background.

Comience a comprar

Use su monto aprobado para obtener lo que quiere y necesita hoy, y pague después.

Woman using a laptop next to a large 74% graphic, with shopping and payment icons on a dark blue background.

Woman using a laptop next to a circular graphic showing 74%, with icons of a shopping cart, chat bubble, and credit card.

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.