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eBook & Research library

Explore our extensive library of ebooks, crafted to help business owners like you grow and succeed. From the latest trends and data-driven strategies to practical solutions for enhancing financial accessibility, our ebooks cover a range of topics to help you stay informed and make strategic decisions.

INSIGHTS

Closing the credit gap:

Major purchase study 2026

How shoppers with low or subprime credit shop and pay for big-ticket decisions – and what it means for your business.

E-book cover titled "Closing the Credit Gap: Major Purchase Study" by Snap Finance, featuring a man with a tablet and financial graphics.

Tablet displaying Snap Finance's study on credit gaps, featuring a smiling man using a tablet.

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Wheel and Tire Financing

Furniture Financing

Appliance Financing

Mattress Financing

Computer Financing

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Jewelry Financing

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

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© 2026 Snap Finance®

For Customers

For Customers

How It Works
Find a Store
Customer Help
Blog

For Business

Snap for Your Business

eBook & Research Library

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

Corporate Social Responsibility

About Snap

About Us
Products
Careers
Corporate Social Responsibility
Newsroom

Privacy Website Terms of Use Products Accessibility Application Terms & Conditions Cookie Preferences

INSIGHTS

Closing the credit gap: Financial wellness

New research from Snap Finance shows how credit changes how people manage day-to-day finances, unexpected expenses, and long-term goals.

Tablet displaying a report on financial wellness titled "Closing the Credit Gap," with a button labeled "Download Research."

Tablet displaying a financial wellness magazine cover featuring a woman using a tablet, piggy bank, coins, and graphs.

INSIGHTS

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.

A digital document titled "Closing the Credit Gap" with a download button labeled "Download Research."

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

INSIGHTS

Closing the credit gap: How credit-challenged consumers shop and pay for tires and rims

A growing number of consumers need tires and rims but don’t qualify for traditional financing. New research from Snap Finance uncovers insights to help businesses better understand and serve credit-challenged tire and rim shoppers.

INSIGHTS

Closing the credit gap: Major purchase study

What businesses need to know about shoppers with low or subprime credit.

Tablet mock-up shows Snap Finance eBook cover titled “Closing the credit gap: Major purchase study” alongside a “Download eBook” label.

Tablet mock-up shows Snap Finance eBook cover titled “Closing the credit gap: Major purchase study” alongside a “Download eBook” label.

INSIGHTS

Closing the credit gap: Shopping and paying for furniture and mattresses with credit challenges

A growing number of consumers need furniture and mattresses but don’t qualify for traditional financing. New research from Snap Finance uncovers insights to help businesses better understand and serve credit-challenged furniture and mattress shoppers.

Download Fact Sheet

INSIGHTS

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.

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

INSIGHTS

Meeting the needs of consumers with credit challenges

How does having low or subprime credit change how people shop and pay? New research from Snap explores the real-life impact of credit challenges on consumer preferences and behaviors. Download Snap’s second annual look at credit-challenged consumers to learn more about this important customer segment.

INSIGHTS

How to grow a business: strategies for enterprise growth

While there’s no guaranteed path to enterprise growth, there are proven strategies to help you scale and grow your business. From improving business processes to reaching new audiences, there are steps you can take now to take your enterprise to the next level. Read our ebook to learn more.

Tablet displaying an enterprise growth ebook cover by Snap Finance, featuring a title 'The four keys to enterprise growth' on a navy blue background. A woman in a green top is shown looking at her phone. The cover includes decorative circular shapes in blue and green.

INSIGHTS

Exploring the potential of the subprime furniture retail market

Customers with low or subprime credit scores often struggle to secure financing for major purchases. In this comprehensive ebook, Snap Finance’s exclusive research reveals how these credit difficulties shape furniture shopping behaviors and financing options. Delve into the strategies and insights that can help you attract and convert consumers with credit challenges, unlocking new avenues for growth and engagement.

Tablet displaying a cover page titled 'Exploring the potential of the subprime furniture retail market' by Snap Finance. The page features a woman smiling while sitting on a grey couch, with text describing an in-depth look at how consumers with credit challenges shop for furniture. Colorful shape accents surround the tablet.

BEST PRACTICES

Insights into how and why small businesses offer tertiary financing

Is your business missing out on sales because customers don’t qualify for traditional financing Tertiary financing options like installment loans and lease-to-own plans can bridge that gap, helping more shoppers get what they need while boosting your sales.

Unlock the benefits of tertiary financing

INSIGHTS

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.

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.

TRENDS

Decoding Gen Z - how they think and shop

Known as “digital natives,” Gen Z was born into a world of rapid technological advancement and unprecedented access to information. As they continue to gain purchasing power, Gen Zers are reshaping the retail landscape in profound ways. Understanding their behaviors, preferences, and values has never been more important for retailers. Get ready to uncover the Gen Z consumer, so you can position your business for growth and relevance.

RESOURCES

Close the sale with lease-to-own financing

Lease-to-own financing can help many customers, including those with less-than-ideal credit, get what they need. It can also help you grow incremental sales, reach more customers, and increase order value - all while providing customers with extra spending power. Read our new ebook to learn how lease-to-own financing can help you close the sale.

Tablet displaying Snap's complete guide to lease-to-own financing, featuring a woman using a laptop. The guide emphasizes helping underserved customers for incremental growth. Colorful shapes surround the tablet for visual appeal.

INSIGHTS

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.

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.

INSIGHTS

Understanding the far-reaching impact of credit challenges

Having a low or subprime credit score changes the financial health and money habits of your customers. We asked consumers with credit scores below 670 about their setbacks, the financial products they use, and their current financial situation. Find out what we learned.

Illustration of a woman standing next to a stylized armchair. She is holding a smartphone and looking at a thought bubble containing a shopping cart icon with a notification. The image uses a simple color palette of navy blue, green, and orange.

RESOURCES

Turbocharge your retail sales by offering third-party financing: Increase revenue with pay-over-time options for more credit types

Traditional financing may be out of reach for many of your customers. Offering alternative third-party financing can help more customers get what they need now, while delivering new opportunities, increased sales, and a competitive edge for your business.

BEST PRACTICES

Key considerations when choosing a POS financing partner: Setting your business up for success

Reach more customers and close more sales with point-of-sale (POS) financing. Read our latest guide to learn how to choose the right POS financing partner for your business.

INSIGHTS

How income shapes consumer behaviors and economic views

Households across all income levels are feeling the effects of an uncertain economy and re-evaluating their approaches to spending and personal finances. Snap Finance surveyed consumers to better understand how having a lower income influences their shopping behaviors, personal finance habits, and economic outlook. What we learned can help your business better understand and serve customers in every income bracket.

RESOURCES

Boost sales with lease-to-own financing: Empower more customers to get what they need now

Reach more customers and close more sales with point-of-sale (POS) financing. Read our latest guide to learn how to choose the right POS financing partner for your business.

INSIGHTS

Tapping in to an untapped market: An in-depth look at consumers with credit challenges

Customers with low or subprime credit scores are shopping in your store. Are they leaving empty-handed?

Recent research from Snap Finance shows having low credit or no credit changes how customers shop and pay for what they need. Read our ebook to discover how offering pay-over-time solutions to credit-challenged customers can help you expand your customer base and increase sales.

INSIGHTS

How households are shopping, spending, and paying for the holidays

Holiday shoppers are making plans for the season, from where and what they’ll buy to how much they’ll spend. Snap Finance surveyed consumers to better understand their holiday shopping and spending habits and how factors including income and age influence those behaviors and preferences. Find out what we learned.

A character wearing a cap and overalls pushes a shopping cart with a percentage symbol in it. The character is pointing forward. Three hanging ornaments and two wrapped gift boxes are on the right side of the image.

TRENDS

Redefining retail: Adapting to the changing ways people shop for furniture

From e-commerce to augmented reality, how customers shop and pay for furniture and what they buy is changing. Businesses that respond to these industry shifts and furniture trends, including offering furniture financing, are better positioned to thrive in this evolving market. Read our ebook to learn the impact of the housing market, furniture trends, technology, and generational shifts on your business.

Tablet displaying Snap Finance's ebook titled 'Redefining retail: Adapting to the changing ways people shop for furniture'. The screen shows a woman relaxing on a dark armchair, wearing casual clothing. The image is framed by colorful blue and green circular shapes, giving it a modern, dynamic look.