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
Consumer Finance
Memorial Day Sales Test the Selective Consumer
May 26, 2026

It’s a solemn holiday. But within commerce, Memorial Day weekend has long served as a period when inboxes fill with discount codes, storefront banners multiply and merchants try to turn seasonal urgency into sales. Get the Full Story Complete the form to unlock this article...

Consumer Finance
Banks Risk Missing the Subprime Consumer Comeback Story
May 22, 2026

Subprime consumers are navigating the credit markets through a mix of installments, informal borrowing and carefully managed payment behavior that traditional scoring models do not always capture. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all...

Consumer Finance
Fed Data Finds Households Keep Big Purchases in Play
May 19, 2026

Consumers still intend to spend, and new Federal Reserve findings, alongside PYMNTS Intelligence data, show how they expect to make those purchases work. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no...

Consumer Finance
The Paycheck Safety Net Now Includes a Side Hustle
May 15, 2026

Side hustles have moved from optional income enhancers to a routine feature of household financial management, reflecting a labor market where steady pay is no longer assured. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all...

Consumer Finance
Fed Credit Data Points Toward Consumer Demand for Installments
May 13, 2026

Consumers are still leaning heavily on credit cards, but the latest Federal Reserve household debt data suggests a growing number may soon be looking for ways to turn revolving balances into more manageable monthly payments. Get the Full Story Complete the form to unlock this...

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....

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...

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...

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...