Consumer Finance

Consumer financing is when a business offers financing to their customers with help from a professional finance company. This allows the consumer to pay for a good or service they couldn't pay for up front in cash or credit card. Consumer finance is helpful for both businesses and consumers
Revolving Credit Rates Rise as Everyday Expenses Pinch Consumers
Consumer Finance
Revolving Credit Rates Rise as Everyday Expenses Pinch Consumers
May 07, 2026

Americans are again leaning more heavily on credit cards to finance everyday life. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today....

Affirm: Agentic Credit Rewrites the Rules of Consumer Lending
Consumer Finance
Affirm: Agentic Credit Rewrites the Rules of Consumer Lending
April 27, 2026

Watch more: What’s Next in Payments With Affirm’s Libor Michalek Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this...

Nearly a Third of US Drivers Have Negative Equity on Their Cars
Consumer Finance
Nearly a Third of US Drivers Have Negative Equity on Their Cars
April 26, 2026

Buying a car in America has gotten harder for a large portion of drivers. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS...

32% Increased Spending After Using a Credit Card App
Consumer Finance
32% Increased Spending After Using a Credit Card App
April 24, 2026

A credit card’s place in a consumer’s wallet is now shaped as much by its app as by its rate, perks or brand, a shift that looks especially strong among younger cardholders and points to a more digital future for issuers. Get the Full Story...

OnePay Adds Credit-Building Card to All-in-One Financial App
Consumer Finance
OnePay Adds Credit-Building Card to All-in-One Financial App
April 23, 2026

Consumer FinTech company OnePay has launched a product designed to provide Americans with a starting point for building credit. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe...

Synchrony CFO Flags Momentum in Spending and Credit
Consumer Finance
Synchrony CFO Flags Momentum in Spending and Credit
April 22, 2026

Consumers are continuing to rely on cards as both a spending tool and a way to manage liquidity, and Synchrony’s latest quarter, as announced on Tuesday (April 21), indicates that balance remains intact even as affordability pressures persist. Get the Full Story Complete the form...

Cash App Adds Financial Literacy Features for Kids
Consumer Finance
Cash App Adds Financial Literacy Features for Kids
April 21, 2026

Cash App is rolling out a new managed accounts feature that allows parents or legal guardians to manage money for their kids aged 6 to 12. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS...

Bankers Advocate for Alternate Data to Expand Credit Access at Hearing
Consumer Finance
Bankers Advocate for Alternate Data to Expand Credit Access at Hearing
April 16, 2026

The availability of credit in the United States rests on a vast reporting system that translates consumer behavior into lending decisions, yet lawmakers heard Thursday (April 16) that weaknesses in how data is collected, disputed and applied are constraining access for many households. Get the...

Issuers Face a New Reality as Credit Goes Real Time
Consumer Finance
Issuers Face a New Reality as Credit Goes Real Time
April 16, 2026

Watch more: Need to Know With Paymentology’s Stephen Bowe Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this form,...