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Financing, payments and protection
Consumer financing, lease-to-own, buy-now-pay-later, payments, protection plans and warranties.
36 products · Read the buyer's guide
Showing 25-36 of 36 products
Waterfall financing platform
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- Quote basedFrom the vendor
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- Quote based
Lease-to-own at participating stores
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- Quote basedFrom the vendor
- Pricing model
- Quote based
- Serves
- 1 store, 2 to 10 stores
Furniture and bed protection plans sold at point of sale
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- Quote basedFrom the vendor
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- Quote based
Retailer-owned reinsurance (captive) furniture protection programs
Not yet claimed- Starting price
- Ask the vendorFrom the vendor
- Pricing model
- Subscription
- Serves
- 1 store, 2 to 10 stores
Pay-in-4 and monthly BNPL plans
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- Pricing model
- Quote based
Lease-to-own
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- Quote basedFrom the vendor
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- Quote based
Online and in-person payments
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Private-label and co-branded retail credit cards
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Credit card processing with a cash-discount program
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- Ask the vendorFrom the vendor
- Pricing model
- Transaction fee
Furniture, outdoor, rug, mattress and adjustable-bed protection plans
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- Quote basedFrom the vendor
- Pricing model
- Quote based
- Serves
- Manufacturers, 1 store, 2 to 10 stores
Routing logic and performance analytics
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Buyer's guide: Financing, payments and protection
Last reviewed
What it is
Companies that let your customers pay over time: store credit cards, installment loans and lease-to-own. They pay you up front and take on the customer's payments, in return for a fee.
What to look for
- Approval rates for customers with prime, near-prime and weaker credit
- The fee the store pays on each sale, shown as a percentage of the sale
- How fast you get paid after delivery
- Whether one application can reach several lenders
- Plain disclosure for customers, so the store is not blamed for the terms
Questions to ask a vendor
- What is the merchant fee, and does it change with the customer's credit tier?
- How many days from delivery to funds in our bank account?
- What happens when a customer returns the item or the delivery fails?
- Which POS systems connect so staff do not retype applications?
- Do you offer any exclusivity requirements or minimum volumes?
How pricing usually works
Paid by the store as a fee on each financed sale. The fee varies with the program and the customer's credit tier, and promotional-rate offers can add a buy-down cost. Customers pay interest or lease charges. Compare the fee per approved sale, not only the headline rate.