Daters Want More Financial Transparency on Dating Apps

A new study from Credit One Bank suggests that financial transparency could become the next major frontier in online dating. According to the report, one in five Gen Z and Millennial singles want dating apps to include indicators of financial health, such as credit scores, to help assess long-term compatibility.

The findings highlight a shift in what daters value most when seeking relationships. While appearance and shared interests remain key, money management is increasingly viewed as an indicator of stability and responsibility. Over half of survey respondents said that a higher credit score makes a person more attractive — not necessarily for wealth, but for the habits and foresight that strong financial health implies.

The Credit One Bank breadown of how users see credit scores goes into a lot of detail regarding these attitudes. Still, the data doesn’t suggest that low credit scores are automatic dealbreakers. Only 5% of men and 10% of women said poor credit would end a potential relationship. Instead, the emphasis seems to be on openness – bringing once-taboo topics like finances into early conversations about compatibility.

This growing focus on money mirrors broader social and economic realities. Research from the Kinsey Institute found that 38% of Gen Z singles make dating decisions based on financial or economic considerations, including whether to move in with a partner. With inflation and job insecurity shaping much of young adults’ lives, daters are increasingly interested in understanding how potential partners manage financial stress.

Notably, a recent study also revealed that a large portion of dating app users – many of whom are Gen Z – spend next to nothing on dates. As users become more frugal in the face of cost-of-living increases, finances are likely to remain a core factor in their relationships as a whole.