Find a Participating Business

find a participating business

As an alternative to the major banks and traditional lenders in personal finance, we strive to treat every customer individually, fairly and with respect.

business to consumer financing options

ePayFinance is specialized in helping consumers with credit challenges.

While most lenders approve only well-qualified borrowers, we understand that anyone can experience financial difficulty at times due to reasons beyond their control.

Our goal is to help as many consumers as we can within responsible lending limits.

Here are the answers to some frequently asked questions:

How much can I borrow?

The minimum amount you can borrow is $1,000 and the maximum will depend on the purpose of the credit and your current financial situation.

How long do I have to pay it back?

The minimum term for a loan is 1 year, with a maximum of 3 to 8 years based on your approval criteria. If you can afford to repay your loan sooner than your term, we encourage you to do so to save on interest. A longer loan term will incur additional interest charges but your regular payments will be lower.

Can I apply for credit directly from ePayFinance?

We only provide financing through our merchant partners. If you already have a desired product or service that you would like to purchase from an ePayFinance Merchant, you may apply online or at their location by filling out a single-page application form. If your merchant is not already working with us, please provide us their information and we will contact them to present how ePayFinance solutions can help to customers like yourself.

How long does it take to get approved?

We try to provide an instant credit decision to most of the well-qualified borrowers. We manually review the rest of the applicants to maximize the approvals and you can expect to receive a decision on your application by the next working day - often within a couple of hours.

contractor, physician and business owners wanted

Do you know a contractor, physician or busines owner that isn't currently offering ePay Finance?

Refer them back to us! We will reward you with a $100 referral bonus for every business you send our way that signs up for the program.

Merchant Benefits:
  • Current approval rates are over 70%
  • No minimum-years-in-business requirement
  • No recourse liability to the merchant
  • No vendor or subcontractor waiver-of-lien requirements