Comment 3 clients Snap sur 4 résolvent leurs comptes avec les collections numériques d'InDebted

Client profile

Snap Finance unlocks flexibility in the buy-now-pay-later space for United States consumers. With their advanced technology, they’re changing the face of consumer retail finance.


Snap’s lease-to-own model helps consumers buy products ranging from $150 to $5,000. Most customers typically pay their balance within 12-18 months, which gives them full ownership of the original item.

With a predominately online offering, Snap Finance customers need a collections experience that matches their digital expectations. They also need a solution that provides multilingual capability, as for around 15% of their customers, Spanish is their preferred language.


From September 2023 to March 2024 across a panel of three other providers, InDebted’s liquidation rate is 33% higher than their second highest performing agency.

Looking specifically at how InDebted performs collecting accounts in Spanish, in comparison to Snap’s second highest performing agency, InDebted’s liquidation rate is 59% higher this quarter.


Snap started their partnership with InDebted in September 2022 in the United States. Our Collect solution supports Snap’s English and Spanish-speaking customers to:

  • Self-serve their account management with our online customer portal. Customers can set up a customisable payment plan, pay in full or make a partial payment all
  • Omnichannel support across all channels in their preferred language - including voice with Spanish-speaking agents, along with digital channels such as email and livechat.
  • Experience a personalised collections journey, where machine learning predicts the best communication for each individual customer.

Our customer portal

Digital-first communication is a win with Snap customers, with a 44.5% average email open rate across a 12-month period. When customers decide to get back on track, over 3 in 4 self-serve their account management using our online portal.

Client Perspective

“InDebted’s digital debt collection is key to how we support Snap customers who fall behind. They’re the only collections partner who can communicate in the second-most common language, Spanish, with an omnichannel voice & digital offering. With continually high performance and a constant focus on customer experience, we know their quick and easy solution has our customers’ backs.” - Todd Johnsen, Director, Vendor Management, Snap Finance


United States
Financial Services
Business size
5 million customers +

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