PayFina understands that consumers in today’s economy face a wide range of serious challenges. Over 40% of all consumers have non-prime credit, and their need for better financing options at point-of-sale has never been greater. However, the current financing models offered by point-of-sale lenders are often expensive and confusing lease-to-own agreements or title loans and payday advances for unplanned, essential services.
Bankrate Commissioned Survey
Federal Reserve Report
What Makes PayFina Different?
PayFina’s mission extends beyond providing affordable financing solutions to consumers. We empower merchants with a powerful tool to encourage repeat business.
Credit that Works for Everyone
PayFina delivers a world-class customer financing technology platform that generates a quick and robust picture of each applicant’s risk profile. This allows merchants to enjoy high approval rates while offering financing terms that are much more customized to consumers than more expensive sub-prime options. And best of all, everything lives in a convenient, easy to use online system that consumers can access from any device.