customers

  • What are the minimum requirements to apply?

    • Cell phone
    • Email address
    • Bank account
    To qualify, individuals must earn at least $1,000 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 credit score?

    No. EasyPay's pre-qualification process does not affect your credit score.

  • Can EasyPay help me build positive credit?

    Yes. We report to the major credit bureaus, giving you a chance to build positive credit if all payments are made in-full and on time.

  • Does EasyPay allow co-applicants?

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

  • What if I have a prepaid bank account?

    If you have a prepaid account, EasyPay can accept it as long as the account allows pre-authorized debit. Please be aware, these accounts don’t always register with our third party vendor and may require additional information.

  • How do I make payments?

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

  • What is the 90-Day Interest Rebate?

    Our 90-Day Interest Rebate Promotion gives you the ability to qualify for a full rebate of all interest paid on your contract.

  • How does the 90-Day Interest Rebate work?

    It's simple, you qualify for a full rebate of all interest paid on your contract if:

    • You make all scheduled payments in full and on time.
    • You do not have any returned payments.
    • You pay the total amount financed plus up to a $40 processing fee*, on or before your promotional expiration date.

  • When does the 90-Day Interest Rebate promotional period begin?

    On the date of your agreement. If you would like to know when your promotional period begins or  ends, please call Customer Service at (866) 438-8372.

  • Who is eligible for the 90-Day Interest Rebate?

    Everyone! Whether you have good credit or no credit, everyone is eligible for our 90-Day Interest Rebate Promotion.

  • Why is interest accruing during the 90-Day Interest Rebate promotional period?

    Interest accrues until the account is paid in full. If the account is paid in full during the 90-day Interest Rebate promotional period (including up to a $40 processing fee*), the interest is rebated to the principal balance and the account is then closed.

  • 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
    To qualify, individuals must earn at least $1,000 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 customer’s credit score?

    No. EasyPay's pre-qualification process does not affect your customer's 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 Interest Rebate?

    Our 90-Day Interest Rebate Promotion gives your customer the ability to qualify for a full rebate of all interest paid on their contract.

  • How does the 90-Day Interest Rebate work?

    It's simple, your customer qualifies for a full rebate of all interest paid on their contract if:

    • They make all scheduled payments in full and on time.
    • They do not have any returned payments.
    • They pay the total amount financed plus up to a $40 processing fee*, on or before their promotional expiration date.
     

  • Who is eligible for the 90-Day Interest Rebate?

    Everyone! Whether your customer has good credit or no credit, everyone is eligible for our 90-Day Interest Rebate Promotion.

  • 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?

    The truth is, 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 of up to $30,000 per month.

*Customers paying off the total amount financed within 90 days are subject to a $40 processing fee or the dollar amount of interest accrued up until the date of payoff, whichever is less.