Frequently Asked Questions

    customers

  • What are the minimum requirements to apply?

    Minimum Requirements:

    • Cell phone
    • Email address
    • Bank account
    • Valid Identification
    Individuals must earn at least $750 per month and have a checking account that is in good standing and has been active (open) for at least 90 days.

  • How long does it take to get a decision?

    It takes just seconds once the application has been completed; on rare occasion additional information may be requested.

  • How often can I apply?

    Customers can apply as often as they like, however a previous approval does not guarantee a second approval. Approvals are good for 45 days.

  • Will pre-qualifying hurt my FICO credit score?

    EasyPay's pre-qualification process is a soft inquiry which does not impact your FICO credit score.

  • Does EasyPay allow co-applicants?

    Unfortunately, we do not. However, you can combine an additional approval from another member of the household.

  • How do I make payments?

    ​Payments are processed based on the payment option chosen during the application process.

  • What is the 90-Day Finance Charge Cap Promotion?

    This promotion caps the amount of Finance Charges you will be required to pay at $40 if your full balance is paid during the first 90 days after your agreement begins, you have no payment that was over 30 days past due, and you are not in default for any reason.

  • How does the 90-Day Finance Charge Cap Promotion work?

    It’s simple, you will pay no more than $40 in Finance Charges if you meet the promotion requirements during the first 90 days of your agreement as set forth below:

    • You have no payment that was over 30 days past due;
    • You pay the entire Amount Financed, any fees owed (such as Late Fees or Dishonored Payment Fees), and earned Finance Charges of up to $40; and
    • You are NOT otherwise in default under your agreement during the Promotional Period.

  • When does the 90-Day Finance Charge Cap promotional period begin?

    On the date of your agreement.  If you would like to know when your promotional period begins or ends, please visit your myeasypayfinance.com account or call Customer Service at (866) 438-8372. You may also service your account through the MyEasyPay mobile app available in the App Store and Google Play Store.

  • Who is eligible for the 90-Day Finance Charge Cap Promotion?

    Our 90-Day Finance Charge Cap Promotion is available to every customer who contracts for financing through the EasyPay Program and complies with the promotion’s terms and conditions.

  • Does interest accrue during the promotional period for the 90-Day Finance Charge Cap Promotion?

    Yes. Interest accrues daily from the date of your agreement. However, you will pay no more than $40 in Finance Charges if you pay your full balance during the 90-day promotional period, have no payment that was over 30 days past due, and meet the promotion’s other terms and conditions.

  • businesses

  • How much does it cost to use EasyPay Finance’s services?

    There are no monthly fees or minimum volume requirements. Merchants pay only a 2.99% merchant fee for contracts that have been fundedEasyPay utilizes an online web application enabling customers to apply on the computer at your store or on their mobile device.

  • What are the minimum requirements for my customers to apply?

    • Cell phone
    • Email address
    • Bank account
    • Valid Identification
    To qualify, individuals must earn at least $750 per month and have a checking account that is in good standing and has been active (open) for at least 90 days.

  • How long does it take to get a decision?

    It takes just seconds once the application has been completed; on rare occasion additional information may be requested.

  • What is the maximum approval amount?

    Approvals range from $500 up to $5,000, with a minimum amount financed of $350.

  • How do I get paid?

    EasyPay sends your funds to the account on file via ACH. We fund Monday-Friday at 4pm PST, not including bank holidays.

  • How often can my customers apply?

    Customers can apply as often as they like, however a previous approval does not guarantee a second approval.

  • Will pre-qualifying hurt my customers’ FICO credit score?

    EasyPay's pre-qualification process is a soft inquiry which does not impact your customers' FICO credit score.

  • What if a customer stops making payments?

    You are not responsible if a customer defaults on their payment obligation. However, you are responsible for handling any warranty or defective merchandise issues.

  • What is the 90-Day Finance Charge Cap Promotion?

    This promotion caps the amount of Finance Charges your customers will be required to pay at $40 if their full balance is paid during the first 90 days after their agreement begins, no scheduled payment is more than 30 days late, and they are not in default for any reason.

  • How does the 90-Day Finance Charge Cap Promotion work?

    It’s simple, your customers will pay no more than $40 in Finance Charges if they meet the promotion requirements during the first 90 days of their agreement as set forth below:

    • They have no payment that was over 30 days past due;
    • They pay the entire Amount Financed, any fees owed (such as Late Fees or Dishonored Payment Fees), and the earned Finance Charges up to $40; and
    • They are NOT otherwise in default under their agreement during the Promotional Period.

  • Who is eligible for the 90-Day Finance Charge Cap Promotion?

    Our 90-Day Finance Charge Cap Promotion is available to every customer who contracts for financing through the EasyPay Program and complies with the promotion’s terms and conditions.

  • Do you provide marketing support?

    Yes! We work hard to ensure that your business is successful with EasyPay. When you enroll with EasyPay we provide you with point-of-sale marketing materials, and ongoing sales and educational training for you and your staff.

  • Why do I need EasyPay Finance?

    40% of adults said that if faced with a $400 unexpected expense, they would either not be able to pay for it or would do so by selling something or borrowing money, according to a 2017 Federal Reserve report. Adding EasyPay can result in game-changing additional revenues.