Who Uses BNPL Financing?

50 Million US consumers have used BNPL over the last 12 months. A large scale data study by Equifax reveals insights about consumers that apply for BNPL loans.
up to 20% BNPL applicants are new to credit and have no credit file.
more likely than general credit users to be a credit rebuilder with a sub-prime score.
lower household savings and investments. Applicants are younger and less affluent.

Who We Serve

Helping lenders drive greater inclusion through:

A more complete view of potential homebuyers
Help reduce manual underwriting process and reviews
Enable more informed lending decisions

Consumer Lenders Seeking to Responsibly Say Yes More

We are leading industry progress with the first announced  tradeline reporting solution to improve borrower transparency and help lenders make responsible credit decisions. 

Support Consumer Financial Health

Our new tradeline reporting solution is designed to provide lenders a more complete view of borrowers obligations, while offering many consumers the opportunity to build a stronger financial profile.
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Sustain Growth. Build Profitability.

We offer solutions to help BNPL providers expand merchant services, monetize consumer relationships, reduce fraud losses, and develop more profitable transactions.
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Reduce Fraud Risk

BNPL providers are exposed to fraud risk from both consumers and merchants. We link vast data assets to improve efficient merchant vetting and consumer identity verification.
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BNPL Resources

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