New report: What today’s economic environment means for lease-to-own shopper behavior

As economic headlines continue to shift, so do the priorities and behaviors of lease-to-own shoppers. Many merchants are asking the same questions: Are non-prime customers still spending? What’s changing in their decision-making? And how do pay-over-time options fit in?

Volume II of Koalafi’s State of the Lease-to-Own Consumer Report answers those questions, focusing on how economic uncertainty is influencing shopper behavior—and what it means for merchants.

A few standout findings:

• 55% of lease-to-own shoppers said concerns about tariffs influenced whether or how they made a large purchase.

• Nearly 30% have recently made or are considering a major purchase despite concerns about the economy.

• 36% said they spent $250 or more than planned because lease-to-own financing gave them room to do so.*

Why it matters

Consumers aren’t opting out of big purchases—they’re just being more selective, value-conscious, and cautious in their decisions. That makes it even more important to meet them where they are and make these purchases feel more accessible with pay over time options.

This report helps you do that. It shows how lease-to-own can help you confidently convert more of these shoppers, earning their trust in the moment and building loyalty over time.

Stay ahead with Koalafi

Lease-to-own isn’t just a payment option. It’s a key part of the customer experience for shoppers who need more flexible options and expect transparency and support along the way.