Consumer Finance

Through our program, “Distressed Credit” is not a problem. We offer financing from $1,000 to $30,000 to Prime and Sub-Prime credit customers.

Turn browsers into buyers by offering an installment payment plan. Affordable monthly payment options combined with our interest-free term promotions will not only help to increase the first purchase amount but will bring the customers back for repeat purchases.

Merchant installment financing solutions are designed to drive more traffic to your business, improve sales and build customer loyalty.

Merchant Benefits
Approvals in as little as 60 seconds!

* Current Approval rates are over 70%
* No minimum-years-in-business requirements
* No recourse liability to the contractor
* Deferred payments, lower interest rates, interest free promotions
* No vendor or subcontractor waiver-of-lien requirements
* Multiple ways to submit consumer financing applications
* Discount rates from 5% - 30%, can be capped by each contractor
* Online applications can be linked from your website or emailed
* Marketing specialists available for counsel

CONSUMER CRITERIA

How Merchant Express Finance Can Benefit Your Customers
The ability for your customers to avoid tying up their general purpose credit cards by having dedicated credit to use exclusively at your store

The ability to buy today and pay over time
The ability to save money with a competitive APR, no-interest (“same-as-cash”) term options up to 2 years, no application fees, no balloon payments, and no prepayment penalties

Prompt Credit Decisions with Maximized Financing Limits
We use a proprietary scoring model that enables us to provide rapid credit decisions and maximized credit limits within responsible lending guidelines, allowing your customers the freedom to shop for larger ticket items and return for repeat purchases.

Internet Applications
When our Internet application link is added to your website, your customers can apply online and have the opportunity to walk into your location already pre-approved for financing and ready to shop!

Quick and Easy Electronic Application Processing
Using our enhanced online platform, you can save time during the application process and get instant credit decisions and documentation for well-qualified customers. Plus, we will manually underwrite the applicants with credit challenges to maximize the approvals for near-prime and sub-prime borrowers.

Collection of innovative e- tools ie; price calculator and payment estimator

Excellent customer support and training