The February 2026 Prosper Consumer Snapshot provides a detailed analysis of current economic sentiment and future buying intentions among United States adults. Data from nearly 8,000 participants indicates that while inflation and gas prices remain significant concerns, overall consumer happiness and spending scores are trending upward compared to last year.

This podcast highlights a shift toward more relaxed shopping habits, with fewer people strictly limiting themselves to essential purchases. Notable trends include a rise in vehicle purchase plans and the continued growth of Walmart+ memberships, which now reach over a quarter of the population.

Ultimately, Prosper's data describes a resilient consumer base that is successfully adapting to price pressures while gradually regaining interest in discretionary spending.