EasyPay Finance

Founded in 2001, we specialize in consumer finance. We provide buy now, pay later solutions for customers through over 12,000 retailers and auto repair dealers across the United States, offering financing options for customers with good, challenged, or poor credit.

We offer two main products: Retail Installment Contracts (RIC) and Lease-to-Own (LTO). Retail Installment Contracts are financing agreements we purchase and service between a retailer and customer. These contracts are not loans, and customers can pay off their balance early without prepayment penalties. Approved applicants can get up to $5,000, with a minimum transaction of $350. Our Lease-to-Own products involve EasyPay Leasing buying a product or service from a retailer and then leasing it as personal property to the customer. These are designed for those who want flexible payment options without using traditional credit. Lease-to-Own approvals also go up to $5,000 toward the cash price, and offer early purchase options.

Customers can apply online or at participating retail locations. The application process usually takes minutes and provides fast decisions. To be eligible, you must be at least 18 years old, have a valid government-issued ID, a checking account in good standing, a steady income of at least $750 per month, a valid email address, and a valid smartphone number. The application involves a soft credit inquiry that usually doesn’t affect FICO credit scores. We consider data beyond traditional credit scores for approval decisions. We offer the MyEasyPay mobile app for customers managing Retail Installment Contracts.

We partner with businesses through a free enrollment process. There are no monthly fees, minimum volume requirements, or merchant fees. Business partners receive funds via ACH and get marketing materials. Partners are not responsible if a customer defaults on payments, but they are responsible for handling warranty issues, fraud protection, and following our guidelines.