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Discover how credit-challenged consumers navigate mattress purchases

Is your business tapping into the potential of credit-challenged customers? These customers often face unique challenges when making major purchases like mattresses. Understanding their shopping and purchasing behaviors can help you provide the right financing options to close more sales and build stronger relationships with these subprime borrowers.

Snap Finance conducted an in-depth study of consumers with credit scores below 670 who recently purchased a mattress to understand how their financial limitations impacted their decisions. Dive into what we to discovered to gain valuable insights into how credit-challenged customers shop, compare, and complete their purchases.

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An illustration of a woman relaxing on a bed, holding her phone. On the wall is a framed picture of mountains with a cactus. At the foot of the bed is a potted plant. The image uses a simple color palette of blue, green, yellow, and white.

More time to pay means more business for you

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Increased

revenue

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

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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.

© 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