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2025 subprime financing study

How and why do small businesses use subprime or tertiary financing, including installment loans and lease-to-own financing? New research from Snap Finance explores the impact of inclusive financing – and how businesses like yours can better reach the subprime market. Download our 2025 subprime financing study to learn more.

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Tablet mockup of Snap Finance ebook ‘2025 subprime financing study’ with money icon and woman, on fintech consumer financing.

More time to pay means more business for you

Increased

revenue

Reach more customers and close more sales with our strong approval rates

Supercharged

sales

58% of credit-challenged consumers spent more because financing was available.

Fast

funding

Enjoy expedited payments, typically within two business days of merchandise delivery.

Expanded

reach

Target new and repeat business and generate revenue with our preapproved leads.

© 2026 Snap Finance®

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© 2026 Snap Finance®

For Customers

How It Works
Find a Store
Customer Help
Blog

For Customers

  • How It Works
  • Find a Store
  • Customer Help
  • Blog

For Business

Snap for Your Business
For Developers
Business Help
eBook & Research Library
Business Blog

For Business

  • Snap for Your Business
  • For Developers
  • Business Help
  • eBook & Research Library
  • Business Blog

Browse Stores

Wheel and Tire Financing
Furniture Financing
Appliance Financing
Mattress Financing
Computer Financing
Car Audio Financing
Jewelry Financing

Browse Stores

  • Wheel and Tire Financing
  • Furniture Financing
  • Appliance Financing
  • Mattress Financing
  • Computer Financing
  • Car Audio Financing
  • Jewelry Financing

About Snap

About Us
Products
Life At Snap
Careers
Corporate Social Responsibility
Newsroom

About Snap

  • About Us
  • Products
  • Life At Snap
  • Careers
  • Corporate Social Responsibility
  • Newsroom
PrivacyWebsite Terms of UseProductsAccessibilityApplication Terms & ConditionsCookie Preferences