Who Is EasyPay Finance?

 Established in 2001, EasyPay Finance's management team has more than 50 years combined experience in assisting merchants and healthcare professionals meet the financing needs of their customers.  Taking what they have learned through their experience, EasyPay Finance strives to consolidate the need for multiple lenders into one simple, affordable program that approves applicants payment terms based on their good, challenged or poor credit profiles.

 
  
  

Program Details
   
  • 0% Interest For 90 Days Included On ALL Approvals
  • Program will approve an estimated 80% of applicants
  • Discount Rate to merchant is 2.99% FLAT for retail goods & 9.99% FLAT for medical services.  Loan Amounts from $1500 - $7500.
  • Online platform is integrated with instant decisions, online identity verification, and e-signatures.  With this sub-prime financing program, there is no need for document collection.
  • There is zero risk to merchants offering this program.  All loans are 100% non-recourse and are funded within 48 hours.
  • There is no setup fee, no monthly fee, no long-term contracts
  • There is no hardware, terminals, equipment, or downloads needed. All you need is the internet.
  
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How It Works
  
  
  

Approved Industries
  
Consumer Goods
  • Furniture (Indoor & Outdoor)
  • Bedding / Mattress
  • Jewelry
  • Appliances
  • Electronics
  • Exercise Equipment
  • Sport Equipment
  • Powersports
  • Bicycles
  • Pets & Pet Supplies
  • Musical Instruments 
  • Power Tools & Accessories
  • Firearms & Accessories
  • Outdoor & Survival Gear
  • Car Stereo & Alarms
  • Rims & Tires
Automotive Service
  • Auto Repair
  • Auto Body
  • Brakes
  • Transmission Repair
  • Tune Ups
  • Maintenance
  • Insurance Deductibles 

Medical Procedures
  • Cosmetic Dentistry
  • Dental Implants 
  • Orthodontics
  • LASIK / Vision
  • Plastic Surgery
  • Med Spa Services 
  • Tattoo Removal
  • Healthcare Devices 
 
  
Home Improvement
  • HVAC
  • Water Heaters
  • Water Treatment
  • Windows
  • Doors
  • Flooring
  • Plumbing
  • Siding
  • Landscaping
  • Small Remodels
  • Bath & Kitchen
  • Other Small Ticket Home Improvement Products And Services
RESTRICTED INDUSTRIES
  • Veterinary
  • Chiropractic
  • General Dentistry
  • Funeral
  • Hearing Devices
  • Bariatric Weight Loss
  • Future Services 
  • Vocational / Education
  • Legal Services
  • Bail Bonds
  • Auto Financing
  • Travel
  • Pawn Shops
  • Medical Tourism
  • E-commerce 
  

Merchant Requirements
  

Approved States

  • Alaska
  • Arizona 
  • California
  • Delaware
  • Idaho
  • Illinois 
  • Kansas
  • Kentucky
  • Missouri
  • Nevada
  • New Hampshire 
  • New Mexico
  • North Dakota
  • Oregon
  • Pennsylvania
  • South Dakota
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  
1. Merchant Must Be In Business For At Least 1 Year


2. Business Owner Must Have A 600+ FICO


3. Merchant Must Have Brick & Mortar Location


4. Merchant Must Be In An EasyPay Approved State


5. Merchant Must Be In An Approved Industry 


  

Support Documents
  
EasyPay Helpful Hints
How To Process A Loan
Credit Application
EasyPay FAQs