Direct To Borrower Consumer Financing
How does it work?

1. Customer submits one application.

2. Credit decision is provided in seconds.

3. Loan offers are extended to the customer.

4. Customer electronically signs the loan agreement and submits stipulations.

5. The borrower is funded 3 to 5 days after loan completion.

6. The merchant is notified of funding and collects funds from the borrower.

7. ePay collects the 4.99% discount from the merchant 10 days after funding.

(Discount is only applied towards collected invoiced amount)

("Check Your Rate" allows borrowers to check approval terms wthout affecting their credit score.)

Enrolling in the ePay Finance consumer financing platform gives your customers access to up to 10 lenders with a single pre-application process. We blanket the borrower pool with offers for those with excellent credit expecting low, single-digit interest rates to those with sub-prime credit that are typically not desirable for most lenders.

Many applicants receive multiple offers so they can choose the offer with the terms, interest rate and payment that best fits their budget. Initial offers are made without affecting credit scores.