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Sell BNPL and fintech loan charge-offs
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Short answer: Fintech lenders and BNPL providers sell charged-off loans to debt buyers. Public filings show it: Upstart disclosed post-charge-off loan sales, and Affirm reports recoveries from selling charged-off accounts. Buyers look at account age, payment history, data quality and state mix. Many fintechs sell through recurring forward-flow agreements.
What should sellers consider first?
- Bank-partner programs: check who owns the receivable and who must approve the sale.
- Digital-only records: buyers will want e-sign audit trails, terms of service versions and payment histories.
- Many small balances favor forward flow.
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What else do sellers ask?
Can charged-off loans be sold?
Yes. Lenders commonly sell charged-off consumer loans to debt buyers, either in one-off sales or forward flow. Sellers must provide accurate data and follow buyer-vetting expectations.
Can a fintech lender sell charged-off loans if a bank originated them?
It depends on the program agreements. The receivable owner and the bank partner may both need to approve.
Information only, not legal, tax or accounting advice. Price figures are third-party estimates, not offers. Last reviewed: October 2026.