Pay Over Time
Payment Solutions for the Things You Need
HOW IT WORKS
APPLY
Apply on your phone, tablet, or laptop with a single streamlined application.
GET CONNECTED
Your application is routed through our network of lenders and leasing partners to help find a payment solution for your unique credit profile. *If approved, you’ll see your purchasing power right away!
*Approval and maximum purchase amount are subject to credit eligibility and not guaranteed.
SHOP
Know what you want, but need help finding a retailer?
We have a large network of retailers carrying many brands for you to choose from.
Already have an item picked out?
No problem. Our financing and payment solutions can be used at most retailers even if they are out of our network.
FINALIZE
You will finalize your paperwork with the lender or leasing company. If you need assistance, don’t worry, we are a call, text, or email away. We want to help you finalize so you can start enjoying your new purchases!
SHOPPING OPTIONS
Pawn Shops
Both new and used items* are eligible with many lenders/lessors on our platform. Our traditional and alternative payment solutions serve a unique need in the pawn industry.
*Certain exclusions determined by our lending or leasing partners may be excluded. We do not accept applications for firearms, weapons, or ammunition.
Local Retailers
Our Customer Care Team can help you with purchases at your favorite retailer or you can choose one from our network of 3000+ stores across the US which serve a wide variety of goods and services.
National Chains
Our solutions work with most big box and national retailers. We can arrange delivery or in-store pick-up, where available.
Online Marketplace
You can also shop at major online merchants, including the FlexShopper® Marketplace.
PRODUCTS
ELECTRONICS & TECH
Got your eye on a home theater set up with all the bells and whistles? Need to upgrade your laptop or mobile phone? We’re here to help you find a payment solution.
JEWELRY
Make that special piece yours with affordable payments that fit your weekly, bi-weekly, or monthly pay periods.
APPLIANCES & HOME IMPROVEMENT
Need help getting what you need to keep your home running smoothly? We can help you find a payment plan that includes installation for all of your appliances and mechanical units.
FURNITURE & MATTRESSES
Spending more time at home can add wear and tear to everyday items. Upgrade them with payments that won’t break the bank.
OUTDOOR POWER
Get equipped and ready to tackle your outdoor projects for every season. Any brand, new or used, is eligible for our programs.
OUTDOOR SPACES
Turn your yard into the outdoor oasis you’ve been dreaming of with affordable payment solutions that fit your unique credit profile.
TIRE & AUTOMOTIVE
Tires, rims, and other aftermarket upgrades are eligible for traditional and alternative financing.
FITNESS & SPORTING GOODS
No need to put a healthy lifestyle on hold thanks to doable payment solutions that fit your unique credit profile.