The consumer lending market has gone through a radical change in the past 3-4 years. New market players (Fintechs) have exploded on the scene offering everything from traditional deposit accounts and credit cards to unsecured personal loans, credit rebuilder loans, Buy Now Pay Later (BNPL), and Speciality Financing options such as rent-to-own. Consumer use of these loans grew significantly during the COVID-19 pandemic and has continued to expand since. Market trends shows that the top 5 issuers of BNPL loans tripled their new loan balances from 2020 - 2021.