Financial Invisibles Report

The Financial Invisibles Report™, a Unifund collaboration, examines how the general population uses credit and pays bills. It aims to shed light on financial invisibles by diving into several issues, including how they handle bill payments and use credit products, and the impact traumatic events have on their financial stability.

To compile the report, PYMNTS surveyed more than 2,000 Americans and asked them about their financial habits and circumstances. Overall, our sample demographically mirrors the U.S. population with one important exception: We sought relatively low-income Americans to help deepen our insights into the use of credit by those who are financially challenged.


  • 67.6 percent: Share of consumers who were able to pay all their bills on time in Q3 2018
  • $60.4K: Average annual income of consumers who got a loan from their family or friends to pay off debt in Q3 2018
  • 20.8 percent: Share of consumers who were either “very” or “extremely” interested in financial education in Q3 2018