Customer/Business Support and FAQs
Frequently Asked Questions
General Questions
Who is EasyPay?
EasyPay Finance offers a technology platform (“Platform”) through which retailers offer short-term financing products that facilitate the purchase of retail items and services. EasyPay Leasing uses the Platform to offer lease-to-own payment options directly to customers.
How can I contact EasyPay?
You can contact us through our live chat feature on this website, or by phone or email. The contact information and hours of operation are provided below.
EasyPay Finance Support CustomerService@easypayfinance.com Mon-Fri 5am – 7pm PST Sat 7:30am – 4pm PST Sun: Closed |
EasyPay Leasing Support LeasingCustomerService@easypayfinance.com Mon-Fri 6am – 7pm PST Sat 7:30am – 12pm PST Sun: Closed |
Does EasyPay report to credit bureaus?
Currently, neither EasyPay Finance nor EasyPay Leasing reports new accounts to the credit bureaus.
Does the application process hurt my FICO credit score?
The application process is a soft inquiry with two of the three big bureaus which should not impact your FICO credit score. The application process also uses data from secondary and alternative credit reporting agencies and those credit scores may be affected. Since our approval decisions are not based solely on traditional credit scores, customers with poor or no credit may still qualify.
Which retailers use EasyPay Finance and EasyPay Leasing?
EasyPay’s partner retailers and their industries can be found by searching our Find a Store.
Can I have more than one account?
Yes, existing customers can have more than one account. Certain conditions will apply. Please contact one of our trusted Team Members for more information.
EasyPay Finance / RIC - (866) 337-2537
EasyPay Leasing / LTO – (866) 424-7919
Does EasyPay have a mobile app?
EasyPay Finance / Retail Installment Contract - Yes! For RIC customers, you may service your account through the MyEasyPay mobile app available in the App Store and Google Play Store.
EasyPay Leasing / Lease-to-Own - Not at this time. However, LTO accounts can be managed through your web browser by clicking here.
Application Process
How do I apply?
Applying is simple! You can apply online through our Find a Store page or directly at a participating retail location.
What are the requirements to apply?
Applicants must:
be at least 18 years old.
have a valid government-issued ID.
have a checking account that is in good standing.
have a steady source of income earning at least $750 per month.
have a valid email address.
have a valid smart phone number.
Retail Installment Contracts
What is a Retail Installment Contract (RIC)?
A Retail Installment Contract (also referred to as a closed-end credit agreement) is a financing agreement between the retailer and the customer. It is not a loan. The retailer agrees to sell the product/service to its customer on credit. The customer agrees to pay for the product/service over time through scheduled payments, including any applicable interest and fees. The retailer sells and assigns the RIC to EasyPay Finance, and we then service the account.
Can I pay off my contract early?
Yes, you can pay off your contract early without any prepayment penalties. Paying off early may reduce the total amount of interest owed.
What is the 90-Day Finance Charge Cap Promotion?
Details of the EasyPay Finance FCCP can be found here.
If I am approved for a RIC, do you send me money?
No. The retailer is selling you the product/service on credit; a RIC is not a loan. EasyPay Finance purchases your account from the retailer, and we service the account.
How much can I be approved for with a Retail Installment Contract?
Qualified applicants can be approved for up to $5,000, with a minimum transaction amount of $350. Your approval terms depend on various underwriting criteria and the information provided on your application.
Lease-to-Own
What is a Lease-to-Own (LTO) product?
EasyPay Leasing purchases the product/service from the retailer. EasyPay Leasing bundles the product(s) and service(s) and leases the resulting bundle as “personal property” to you. EasyPay Leasing owns the personal property until the lease has been satisfied. This program is designed for customers who prefer flexible payment options without using traditional credit.
What types of products or services can I lease with EasyPay Leasing?
Our lease-to-own financing is available through trusted retailers in various industries that include automotive repair, tires and wheels, furniture, mattresses, and much more. See our Find a Store for more information.
Who owns the merchandise I am leasing?
EasyPay Leasing owns the personal property until you satisfy the terms of the lease.
How much can I be approved for with lease-to-own financing?
Qualified applicants can be approved for up to $5,000 towards the cash price of the lease. Your approval terms depend on various underwriting criteria and the information provided on your application.
How do I purchase my leased item early?
You can choose to purchase your leased item at any time during the lease period. Early purchase options may offer savings. See Early Purchase Option(s) for more details.
How do the Early Purchase Option(s) work?
Details of each of the Early Purchase Option(s) can be found here.
Customer Payments
How do I make a payment?
EasyPay Finance / RIC Customers: Payments can be made through our online customer portal, by phone, or via mail. For detailed instructions and options, please visit your MyEasyPay account by clicking here.
EasyPay Leasing / LTO Customers: Payments can be made through our online customer portal, by phone (800) 447-6215, or via mail. For detailed instructions and options, please visit your online account at: https://easypayleasing.acct-admin.com/
Can I change my payment schedule?
Yes, if you need to adjust your payment schedule, please contact our Customer Service team to discuss available options:
EasyPay Finance / RIC: (866) 438-8372
EasyPay Leasing / LTO: (800) 447-6215
Business Partners
How do I partner with EasyPay?
Our enrollment process is quick and easy! You can enroll for free today through our enrollment portal. Our agreement gives you access to our Platform through which you can offer programs available in your area.
How much does it cost to use EasyPay as a business owner?
There are no monthly fees or minimum volume requirements. Enroll today and you’ll be put on a 0% merchant fee.
How long does the enrollment process take?
Our enrollment process typically takes around 15 minutes to complete. You may be requested to provide additional documentation from our Business Support team.
Once I have enrolled, how do I access my Business Center portal?
After your enrollment application has been reviewed and approved, you will receive an email with information on creating your account. You can log into your Business Center by clicking here.
What happens 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, protecting against fraud, and following our guidelines found in your agreement and/or on the Business Center.
How do I get paid as the business owner?
EasyPay sends your funds to the account on file via ACH. We send funds Monday-Friday by 4pm PST, not including bank holidays.
How do I get marketing materials?
EasyPay provides marketing materials for all of our retail partners for free. You will receive a welcome kit upon enrolling. If you need additional materials, please contact your Merchant Success Manager.
How do I contact EasyPay’s Business Support team?
You can call our team toll free at (866) 337-2537 or use (760) 718-1824 for a direct line. You can also send our team an email to MerchantServices@easypayfinance.com.
Monday – Friday: 5am – 6pm PST | Saturday: 5am – 5pm PST | Sunday: Closed
General Questions
Who is EasyPay?
EasyPay Finance offers a technology platform (“Platform”) through which retailers offer short-term financing products that facilitate the purchase of retail items and services. EasyPay Leasing uses the Platform to offer lease-to-own payment options directly to customers.
How can I contact EasyPay?
You can contact us through our live chat feature on this website, or by phone or email. The contact information and hours of operation are provided below.
EasyPay Finance Support CustomerService@easypayfinance.com Mon-Fri 5am – 7pm PST Sat 7:30am – 4pm PST Sun: Closed |
EasyPay Leasing Support LeasingCustomerService@easypayfinance.com Mon-Fri 6am – 7pm PST Sat 7:30am – 12pm PST Sun: Closed |
Does EasyPay report to credit bureaus?
Currently, neither EasyPay Finance nor EasyPay Leasing reports new accounts to the credit bureaus.
Does the application process hurt my FICO credit score?
The application process is a soft inquiry with two of the three big bureaus which should not impact your FICO credit score. The application process also uses data from secondary and alternative credit reporting agencies and those credit scores may be affected. Since our approval decisions are not based solely on traditional credit scores, customers with poor or no credit may still qualify.
Which retailers use EasyPay Finance and EasyPay Leasing?
EasyPay’s partner retailers and their industries can be found by searching our Find a Store.
Can I have more than one account?
Yes, existing customers can have more than one account. Certain conditions will apply. Please contact one of our trusted Team Members for more information.
EasyPay Finance / RIC - (866) 337-2537
EasyPay Leasing / LTO – (866) 424-7919
Does EasyPay have a mobile app?
EasyPay Finance / Retail Installment Contract - Yes! For RIC customers, you may service your account through the MyEasyPay mobile app available in the App Store and Google Play Store.
EasyPay Leasing / Lease-to-Own - Not at this time. However, LTO accounts can be managed through your web browser by clicking here.
Application Process
How do I apply?
Applying is simple! You can apply online through our Find a Store page or directly at a participating retail location.
What are the requirements to apply?
Applicants must:
be at least 18 years old.
have a valid government-issued ID.
have a checking account that is in good standing.
have a steady source of income earning at least $750 per month.
have a valid email address.
have a valid smart phone number.
Retail Installment Contracts
What is a Retail Installment Contract (RIC)?
A Retail Installment Contract (also referred to as a closed-end credit agreement) is a financing agreement between the retailer and the customer. It is not a loan. The retailer agrees to sell the product/service to its customer on credit. The customer agrees to pay for the product/service over time through scheduled payments, including any applicable interest and fees. The retailer sells and assigns the RIC to EasyPay Finance, and we then service the account.
Can I pay off my contract early?
Yes, you can pay off your contract early without any prepayment penalties. Paying off early may reduce the total amount of interest owed.
What is the 90-Day Finance Charge Cap Promotion?
Details of the EasyPay Finance FCCP can be found here.
If I am approved for a RIC, do you send me money?
No. The retailer is selling you the product/service on credit; a RIC is not a loan. EasyPay Finance purchases your account from the retailer, and we service the account.
How much can I be approved for with a Retail Installment Contract?
Qualified applicants can be approved for up to $5,000, with a minimum transaction amount of $350. Your approval terms depend on various underwriting criteria and the information provided on your application.
Lease-to-Own
What is a Lease-to-Own (LTO) product?
EasyPay Leasing purchases the product/service from the retailer. EasyPay Leasing bundles the product(s) and service(s) and leases the resulting bundle as “personal property” to you. EasyPay Leasing owns the personal property until the lease has been satisfied. This program is designed for customers who prefer flexible payment options without using traditional credit.
What types of products or services can I lease with EasyPay Leasing?
Our lease-to-own financing is available through trusted retailers in various industries that include automotive repair, tires and wheels, furniture, mattresses, and much more. See our Find a Store for more information.
Who owns the merchandise I am leasing?
EasyPay Leasing owns the personal property until you satisfy the terms of the lease.
How much can I be approved for with lease-to-own financing?
Qualified applicants can be approved for up to $5,000 towards the cash price of the lease. Your approval terms depend on various underwriting criteria and the information provided on your application.
How do I purchase my leased item early?
You can choose to purchase your leased item at any time during the lease period. Early purchase options may offer savings. See Early Purchase Option(s) for more details.
How do the Early Purchase Option(s) work?
Details of each of the Early Purchase Option(s) can be found here.
Customer Payments
How do I make a payment?
EasyPay Finance / RIC Customers: Payments can be made through our online customer portal, by phone, or via mail. For detailed instructions and options, please visit your MyEasyPay account by clicking here.
EasyPay Leasing / LTO Customers: Payments can be made through our online customer portal, by phone (800) 447-6215, or via mail. For detailed instructions and options, please visit your online account at: https://easypayleasing.acct-admin.com/
Can I change my payment schedule?
Yes, if you need to adjust your payment schedule, please contact our Customer Service team to discuss available options:
EasyPay Finance / RIC: (866) 438-8372
EasyPay Leasing / LTO: (800) 447-6215
Business Partners
How do I partner with EasyPay?
Our enrollment process is quick and easy! You can enroll for free today through our enrollment portal. Our agreement gives you access to our Platform through which you can offer programs available in your area.
How much does it cost to use EasyPay as a business owner?
There are no monthly fees or minimum volume requirements. Enroll today and you’ll be put on a 0% merchant fee.
How long does the enrollment process take?
Our enrollment process typically takes around 15 minutes to complete. You may be requested to provide additional documentation from our Business Support team.
Once I have enrolled, how do I access my Business Center portal?
After your enrollment application has been reviewed and approved, you will receive an email with information on creating your account. You can log into your Business Center by clicking here.
What happens 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, protecting against fraud, and following our guidelines found in your agreement and/or on the Business Center.
How do I get paid as the business owner?
EasyPay sends your funds to the account on file via ACH. We send funds Monday-Friday by 4pm PST, not including bank holidays.
How do I get marketing materials?
EasyPay provides marketing materials for all of our retail partners for free. You will receive a welcome kit upon enrolling. If you need additional materials, please contact your Merchant Success Manager.
How do I contact EasyPay’s Business Support team?
You can call our team toll free at (866) 337-2537 or use (760) 718-1824 for a direct line. You can also send our team an email to MerchantServices@easypayfinance.com.
Monday – Friday: 5am – 6pm PST | Saturday: 5am – 5pm PST | Sunday: Closed
General Questions
Who is EasyPay?
EasyPay Finance offers a technology platform (“Platform”) through which retailers offer short-term financing products that facilitate the purchase of retail items and services. EasyPay Leasing uses the Platform to offer lease-to-own payment options directly to customers.
How can I contact EasyPay?
You can contact us through our live chat feature on this website, or by phone or email. The contact information and hours of operation are provided below.
EasyPay Finance Support CustomerService@easypayfinance.com Mon-Fri 5am – 7pm PST Sat 7:30am – 4pm PST Sun: Closed |
EasyPay Leasing Support LeasingCustomerService@easypayfinance.com Mon-Fri 6am – 7pm PST Sat 7:30am – 12pm PST Sun: Closed |
Does EasyPay report to credit bureaus?
Currently, neither EasyPay Finance nor EasyPay Leasing reports new accounts to the credit bureaus.
Does the application process hurt my FICO credit score?
The application process is a soft inquiry with two of the three big bureaus which should not impact your FICO credit score. The application process also uses data from secondary and alternative credit reporting agencies and those credit scores may be affected. Since our approval decisions are not based solely on traditional credit scores, customers with poor or no credit may still qualify.
Which retailers use EasyPay Finance and EasyPay Leasing?
EasyPay’s partner retailers and their industries can be found by searching our Find a Store.
Can I have more than one account?
Yes, existing customers can have more than one account. Certain conditions will apply. Please contact one of our trusted Team Members for more information.
EasyPay Finance / RIC - (866) 337-2537
EasyPay Leasing / LTO – (866) 424-7919
Does EasyPay have a mobile app?
EasyPay Finance / Retail Installment Contract - Yes! For RIC customers, you may service your account through the MyEasyPay mobile app available in the App Store and Google Play Store.
EasyPay Leasing / Lease-to-Own - Not at this time. However, LTO accounts can be managed through your web browser by clicking here.
Application Process
How do I apply?
Applying is simple! You can apply online through our Find a Store page or directly at a participating retail location.
What are the requirements to apply?
Applicants must:
be at least 18 years old.
have a valid government-issued ID.
have a checking account that is in good standing.
have a steady source of income earning at least $750 per month.
have a valid email address.
have a valid smart phone number.
Retail Installment Contracts
What is a Retail Installment Contract (RIC)?
A Retail Installment Contract (also referred to as a closed-end credit agreement) is a financing agreement between the retailer and the customer. It is not a loan. The retailer agrees to sell the product/service to its customer on credit. The customer agrees to pay for the product/service over time through scheduled payments, including any applicable interest and fees. The retailer sells and assigns the RIC to EasyPay Finance, and we then service the account.
Can I pay off my contract early?
Yes, you can pay off your contract early without any prepayment penalties. Paying off early may reduce the total amount of interest owed.
What is the 90-Day Finance Charge Cap Promotion?
Details of the EasyPay Finance FCCP can be found here.
If I am approved for a RIC, do you send me money?
No. The retailer is selling you the product/service on credit; a RIC is not a loan. EasyPay Finance purchases your account from the retailer, and we service the account.
How much can I be approved for with a Retail Installment Contract?
Qualified applicants can be approved for up to $5,000, with a minimum transaction amount of $350. Your approval terms depend on various underwriting criteria and the information provided on your application.
Lease-to-Own
What is a Lease-to-Own (LTO) product?
EasyPay Leasing purchases the product/service from the retailer. EasyPay Leasing bundles the product(s) and service(s) and leases the resulting bundle as “personal property” to you. EasyPay Leasing owns the personal property until the lease has been satisfied. This program is designed for customers who prefer flexible payment options without using traditional credit.
What types of products or services can I lease with EasyPay Leasing?
Our lease-to-own financing is available through trusted retailers in various industries that include automotive repair, tires and wheels, furniture, mattresses, and much more. See our Find a Store for more information.
Who owns the merchandise I am leasing?
EasyPay Leasing owns the personal property until you satisfy the terms of the lease.
How much can I be approved for with lease-to-own financing?
Qualified applicants can be approved for up to $5,000 towards the cash price of the lease. Your approval terms depend on various underwriting criteria and the information provided on your application.
How do I purchase my leased item early?
You can choose to purchase your leased item at any time during the lease period. Early purchase options may offer savings. See Early Purchase Option(s) for more details.
How do the Early Purchase Option(s) work?
Details of each of the Early Purchase Option(s) can be found here.
Customer Payments
How do I make a payment?
EasyPay Finance / RIC Customers: Payments can be made through our online customer portal, by phone, or via mail. For detailed instructions and options, please visit your MyEasyPay account by clicking here.
EasyPay Leasing / LTO Customers: Payments can be made through our online customer portal, by phone (800) 447-6215, or via mail. For detailed instructions and options, please visit your online account at: https://easypayleasing.acct-admin.com/
Can I change my payment schedule?
Yes, if you need to adjust your payment schedule, please contact our Customer Service team to discuss available options:
EasyPay Finance / RIC: (866) 438-8372
EasyPay Leasing / LTO: (800) 447-6215
Business Partners
How do I partner with EasyPay?
Our enrollment process is quick and easy! You can enroll for free today through our enrollment portal. Our agreement gives you access to our Platform through which you can offer programs available in your area.
How much does it cost to use EasyPay as a business owner?
There are no monthly fees or minimum volume requirements. Enroll today and you’ll be put on a 0% merchant fee.
How long does the enrollment process take?
Our enrollment process typically takes around 15 minutes to complete. You may be requested to provide additional documentation from our Business Support team.
Once I have enrolled, how do I access my Business Center portal?
After your enrollment application has been reviewed and approved, you will receive an email with information on creating your account. You can log into your Business Center by clicking here.
What happens 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, protecting against fraud, and following our guidelines found in your agreement and/or on the Business Center.
How do I get paid as the business owner?
EasyPay sends your funds to the account on file via ACH. We send funds Monday-Friday by 4pm PST, not including bank holidays.
How do I get marketing materials?
EasyPay provides marketing materials for all of our retail partners for free. You will receive a welcome kit upon enrolling. If you need additional materials, please contact your Merchant Success Manager.
How do I contact EasyPay’s Business Support team?
You can call our team toll free at (866) 337-2537 or use (760) 718-1824 for a direct line. You can also send our team an email to MerchantServices@easypayfinance.com.
Monday – Friday: 5am – 6pm PST | Saturday: 5am – 5pm PST | Sunday: Closed
Get in touch with us.
We’re here to answer your questions
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EasyPay Finance © 2025
PO Box 2549
Carlsbad, CA 92018
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EasyPay Finance © 2025
PO Box 2549
Carlsbad, CA 92018
No California loans currently available. If applicable in the future, California loans made or arranged pursuant to a California Finance Lenders Law license. See CCR 1550
Navigation:
Financing Support
Mon-Fri 5am – 7pm PST
Sat 7:30am – 4pm PST
Leasing Support
Mon-Fri 6am – 7pm PST
Sat 7:30am – 12pm PST
Business Support
Mon-Fri 5am – 6pm PST
Sat 5am – 5pm PST
EasyPay Finance © 2025
PO Box 2549
Carlsbad, CA 92018
No California loans currently available. If applicable in the future, California loans made or arranged pursuant to a California Finance Lenders Law license. See CCR 1550
Navigation:
Financing Support
Mon-Fri 5am – 7pm PST
Sat 7:30am – 4pm PST
Leasing Support
Mon-Fri 6am – 7pm PST
Sat 7:30am – 12pm PST
Business Support
Mon-Fri 5am – 6pm PST
Sat 5am – 5pm PST
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