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How low credit scores impact access to auto services

Did you know that 29% of customers with low credit scores could not have paid for their auto service or repair without financing?¹ To better understand the impact of having a lower credit score, Snap Finance asked credit-challenged customers how they shop and pay for auto services. Learn more about our findings in this new research fact sheet.

Download Fact Sheet
Download Fact Sheet
Illustration of a mechanic or technician standing next to an appliance. The person wears a white uniform with green accents and holds a wrench. To their right is a large machine with a tire on top.

More time to pay means more business for you

Icon of a bar graph with an upward arrow and dollar sign, representing financial growth or increasing profits.

Increased

revenue

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

Icon of a money bag with a dollar sign

Supercharged

sales

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

Icon of a clock face showing 5 o'clock, representing timely payments.

Fast

funding

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

Icon depicting three human silhouettes side by side.

Expanded

reach

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

¹Findings based on proprietary research. Snap Finance, 2023.

© 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