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Buy now and pay later for the things you love from over 4000 merchants. Online or in-store, you can spread your purchase into easy payments. Apply at check out from your favorite merchants, get approved, and choose the plan that is right for you.


With affordable financing options and high approval rates, we have financing options designed to meet your every need.

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Better way to pay

Spread your purchase into affordable payments and pay over time for the things you love.

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Easy, fast & secure

Apply in minutes at your favourite retailer online or in-store and get an instant credit decision.

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Personalized plans

Get a customized plan based on your unique profile and choose the terms that best fit your budget.

How it works?


Shop online or in-store at your favourite retailer


Select the financing option at checkout


Complete the digital application in minutes


Choose the plan that’s right for you and enjoy your purchase!



Grow your business and maximize your sales with our full credit spectrum solution that helps your customers finance their purchases and pay for them over time.

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High approval rates

The industry’s only full credit spectrum solution designed to approve more of your customers regardless of their credit profile.

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Digital solutions for online and in-store

Customers apply in minutes online or in-store and get an instant credit decision.

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Customized plans

We work with you to create customized financing plans that meet the needs of your customers and business.

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Service that makes it fast and easy

We’re there for you with dedicated service that includes training and support for you and your customers to ensure the program’s success.

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Through our LendCare business unit, we work with merchants to offer financing for cars, motorcycles, jet skis, ATVs, RVs, home renovation projects, retail purchases, healthcare services and so much more.

With our state-of-the-art online financing portal that features express online credit decisions, real-time customer verification and market-leading dealer reserve, we can help you maximize your sales and accelerate your business.

Learn more

Partner support

If you are a merchant looking for partner support, contact us.

Sign up today to become a partner

Provide a few quick details and we’ll give you a call to discuss your consumer financing needs.

Industries we serve








Home Improvement



Have questions? We can help.

Does obtaining a loan at point-of-sale through easyfinancial affect my credit score?


Getting a Personal Loan with easyfinancial at point-of-sale will not affect your credit score.

How fast is the point-of-sale financing process with easyfinancial?


It only takes a few minutes. Our digital application provides you with an instant decision once you have filled it out, and a purchasing decision can usually be made on the spot.

What is the minimum credit score required to get a point-of-sale loan from easyfinancial?


There are no minimum credit scores per se. We look at your whole customer profile and strive to provide a financing solution for every customer, with all types of credit scores.

How can I get a refund for a loan I got through a merchant?


Refunds are subject to the merchant’s refund policy where you purchased your merchandise, please contact the retailer for more information.

I have not received the items I purchased. What should I do?


Please contact the merchant where you purchased your merchandise to inquire about the status of your purchase.