Sneak peek: Data and insights from our upcoming Volume II State of the Lease-to-own Consumer Report

Volume I of the State of the Lease-to-own Consumer Report explored consumers’ impressions of lease-to-own financing, including who is using it most often, what they are using it to buy, and why embracing lease-to-own financing alongside a suite of other financing options might be the right choice for your business.

Now it’s time to learn what lease-to-own consumers think about the ever-changing economy, including how they see it affecting their spending habits and purchasing behaviors—backed by Koalafi data and exclusive insights.

Our next report will explore topics and data related to the lease-to-own consumer’s state of mind, purchasing behavior, and more:

1. What do lease-to-own consumers, and consumers in general, think about the current and future state of the economy?

Are they optimistic about the future or stressed? Are they more focused on buying or saving as a result?

We’ll dive into consumer confidence data and exclusive Koalafi survey data to unpack what your business can expect from consumers as 2025 rolls on and new factors continue to affect overall economic forecasts.

With almost 50% of our respondents saying tariffs, inflation, and interest rates are affecting how they feel about personal finances and spending, and 30% of our surveyed consumers always worried about finances, what does that mean for their purchasing habits and what can your business do about it?*

2. How is their economic outlook shaping purchasing plans?

With so many conflicting signals—talk of tariffs, inflation concerns, shifting timelines—it’s hard to know what’s really influencing customer behavior. Are shoppers delaying big purchases? Pulling them forward? Or staying the course?

Our data offers fresh insights into how lease-to-own customers are thinking about their next big buy. We’ll share what retailers need to know to better align with customers’ mindsets—and meet them where they are.

3. What other opportunities does lease-to-own offer your business in 2025?

To stand out among a swath of pay later solutions, your business’s offerings must do more than provide a flexible way to pay—luckily, our data shows lease-to-own does much more.

We know lease-to-own empowers consumers to purchase what they need—and sometimes more.* But in this report, we’ll share why it’s important that almost 70% of lease-to-own consumers in our study said they would use lease-to-own again in the next six months and what that means about loyalty and building a returning consumer base.*

Stay tuned for a fuller examination of this data and more in the next State of the Lease-to-own Consumer Report. In the meantime, contact us if you’re interested in learning more about lease-to-own or want to add it to your arsenal of options!

*Koalafi proprietary research conducted in March and May 2025, surveying Koalafi customers