Are your customers leaving your store without purchasing because you don't offer Financing?

How many times this week has it happened to you?

Someone called you up or comes into your place of business to buy something and when they heard​ the price they left. They just couldn't afford you.

Or maybe they only made a small purchase when they really needed much more.

Or they decided to wait because you didn't have a way to finance the purchase that didn't require them having credit.

65% of American have:

  • No Credit
  • Bad Credit
  • Maxed out Credit

76% of Americans are living paycheck to paycheck.

According to Marketwatch.com

Approximately 62% of Americans have less than $1,000 in their savings accounts and 21% don’t even have a savings account, according to a new survey of more than 5,000 adults conducted this month by Google Consumer Survey for personal finance website GOBankingRates.com. “It’s worrisome that such a large percentage of Americans have so little set aside in a savings account,” says Cameron Huddleston, a personal finance analyst for the site. “They likely don’t have cash reserves to cover an emergency and will have to rely on credit, friends and family, or even their retirement accounts to cover unexpected expenses.”

Losing just one $1000 sale a week can cost you $52,000 a year.  How much are you losing?

How much more PROFIT could you be making each and every month?

If you never again had to allow your customers/patients to leave without getting EVERYTHING they want what would it do for your business?

How many times every day does a customer have to leave your store or walk out, without getting EVERYTHING they want or need from you ONLY because they don't have the money today?

Here is what one of our over 10,000 clients said about their business.

John V Furniture Retailer

We been using it for one year now and it has saved my business! It allows me to expand my business into a customer base that I didn’t have access to. People that walk into my store turn into immediate and cheerful buyers. I have made over $380,000 in the year I started using this program... we  have done nine deals in a week, totaling over $6,823.23. It you don’t have alternative to finance in this day and age, you’re missing the boat! My money is always in the bank when it is supposed to be and the customer service representatives never run from a question. They answer questions with professionalism and knowledge. I am amazed with this service.

EZ CREDIT AMERICA

EZ Credit America was created because businesses need a way to offer to their customers a NO CREDIT payment plan and consumers need a responsible and affordable means to make their purchases. We deliver that solution to both the Merchant and the Consumer.

EZ Credit America was created because businesses need a way to offer to their customers a NO CREDIT payment plan and consumers need a responsible and affordable means to make their purchases. We deliver that solution to both the Merchant and the Consumer.

There are millions of people who need products and services but because of an imperfect credit rating system they're barred from purchase. In today's fast paced economy a better guide to personal financial responsibility is needed. EZ Credit America is that. It gives people deserved purchasing ability.

EZ Credit America gives you the ability to offer a low rate income based payment plan to your customers. Your customer can get the product or service they need today and pay for it over 3-12-month period. This isn't rent to own, a lease, or a high interest no-credit check program. The rates are often lower than their credit card.

It's Easy to Qualify!  The Customer only needs:


  • Checking Account
  • An Income
  • Valid ID
  • Ability to Repay 

You as a Merchant:


  • You are fully funded in 3 days.
  • You are not responsible for collecting payments.  
  • You are not responsible for collections.
  • We stand behind all transactions and cover stop payments for fraud and closed accounts, etc.
  • Increase floor and phone traffic
  • Increase ticket price
  • Increase cash flow
  • Increase up sell opportunities
  • Close sales today - Instant approvals
  • Never chase your customer for a payment or NSF check again
  •  Increase customer loyalty... Referrals
  • Increase profits
  • Advertise and market "No Credit Needed"


EZ Credit America is partnered with other reputable industry leaders such as Secure Payment Systems, Azura Leasing, and many more to provide your business with the best possible service and products.

  • Secure Payment Systems
  • Azura Leasing

Azura Leasing works hard every day to make sure that your leasing experience is the best it can be. Their management team has a combined 25 years of experience in the credit card terminal/ATM/POS Equipment leasing industries. We have called on all of that experience to craft a lease program that meets the needs of all of our merchants.

No Credit Needed Payment Plan

What some of our over 10,000 customers are saying:

Carlos L

 Automotive Repair

l am the owner of an automotive repair firm in the West Los Angeles area. ...we only had a credit finance option. 3 of 7 applicants were approved; the other seven were not and could not afford the total coast of the bill. ...Now most of the customers that come to my shop, and need help with financing are processed through the program which does not require any credit check. Not only am I using this program for my retail customers, I use this program for my whole sale customers as well!

I just wanted to say how thankful I am for finding out about this. I originally signed up for this program in October of 2009. Since that time, I have been able to finance over 550 sales that I do not believe we would have gotten if we did not have this program. It has been a wonderful selling tool for us for people who are in a tough spot. Most people do not plan for their car to break down, and when it does, they do not always have the funds for the repairs. The program allows them to pay for their repairs over 90 days. In today's economy it is important to offer our customers an option to get them moving again in their vehicles. I tell everyone about this program! It is economical for the customer and for our business.

Cara B Transmission Shop
Warren V

Furniture Retailer

We have used the program for only 5 months and have generated a tremendous amount of business through it. This is business we would have missed it we did not have the program. During our 4th month of offering the program, we wrote a new deal every other day. We love it! It has a great reputation and high marks with the BBB. Their help desk staff is courteous and available when needed. l am very pleased with the overall services. l am also confident that they will continue to improve and introduce other programs that will be needed in the marketplace.

Tires and wheels can be pretty expensive for an upfront full payment and before this helped us finance, we had many interested customers who would hold off on accessorizing their vehicles. When we introduced the service and its benefits, our customers increased as well as our sales. More customers are now buying sets of wheels and they are satisfied with our company for being able to offer financing so easily with no credit check. Customers are getting approved quickly and our company is happy especially since they are always available with no waiting time and ready to help.

Mayda T Auto Accessory Sales

How it Works

  • CUSTOMER WRITES 1 CHECK FOR 25 % OF TRANSACTION AMOUNT UP TO $5000
  • ALL CHECKS ARE DATED FOR TODAY (NO POST DATED CHECKS)
  • MERCHANT FILLS OUT AND CUSTOMER SIGNS EZ PAY ADVANTAGE SECURITY AGREEMENT
  • MERCHANT CALLS SPS FOR APPROVAL
  • UPON APPROVAL MERCHANT PUTS SINGLE CHECK AND SECURITY AGREEMENT THROUGH IMAGER
  • ONCE COMPLETE CUSTOMER GETS DEBITED IN 30 DAY INCREMENTS FROM TODAY’S DATE UP TO 12 MONTHS
  • MERCHANT IS PAID IN 3 BUSINESS DAYS

Only Certain Types of Business Qualify for this Program

Click the Button Below to Get Started

The EZPAY Advantage 3, 6, 12 Program

This is for that time when your customer faces a financial predicament (for example a pet becomes hurt or ill or a costly dental procedure is not covered by insurance), or a home emergency / improvement occurs such that stretching the payments out over a 3, 6, or 12 month period becomes the key to solving your customer's concerns! Or, how about the customer in the furniture store having trouble making up their mind regarding the purchase of that crucial extra item because they think they can't afford it?

Now, with our 3, 6, or 12-month payment plan your customer does not have to worry about an unexpected financial emergency or the additional amount to purchase something extra! And, it is all guaranteed!

We call the program EZ Pay Advantage because your customer stretches out their payments over 3, 6, or 12 months in 30 day intervals! How much simpler can it get!

How would you like to sell an extra tire? Perform a much needed repair? Or sell an extra piece of matching furniture?

Forget about layaway as we offer a program that will alleviate your customer's worry about the added cost because THE ENTIRE PURCHASE is split into SMALL amounts!

3, 6, or 12 month EZ PAY Advantage with "ADVANCE FUNDING" has become the single most exciting and fastest growing service that we have had the pleasure to roll out! Never before has a CHECK-based financing program offered you the opportunity to be paid UPFRONT!

Plus, as always we provide Full Guarantee!

And we use the POS terminal and Check Imager to process these electronically.

We are thoroughly convinced that EZ Pay Advantage will generate more sales for you!

With this option you are funded 100% of the monies IN ADVANCE, and not waiting until we get paid! Your customers will have their accounts debited over the 3, 6, or 12 month period while you get ALL OF THE MONEY within 3 days after the batch is closed!

Only a single check is written, SPS will initiate electronic ACH debits for the remainder of the items based on the term selected

Offers the capability to select during each transaction from any of the three financing term options, or in the alternative to hide such multiple options from the terminal display for those who only opt to have one financing option available

The Merchant Process

Determine the amount of the sale that you will get paid for.

Go to the EZPay website and enter the cash sale amount in the form.  Choose the number of monthly payment and it will calculate the processing fees, down payment and monthly payments the customer will pay.

  • You receive the full cash sale amount in 3 days.
  • There is no percentage charged to you as in some other systems.
  • The customer pays any fees and interest that are due.

When you have the amounts, input of information into the terminal and on security agreement form.

1. Input the customer information (license #, date of birth, SSN, etc. as is done today)

2. Select the financing period (3, 6, or 12 months)

3. Enter the entire transaction amount

4. Enter the check # (initial down payment)

5. Enter the check amount (initial down payment)

6. Confirm the # of remaining payments and amount of each payment that is automatically calculated and displayed by the terminal on behalf of the store associate

7. Scan the check thru the imager

8. Scan the consumer security agreement form.

Provides for a modified, printed terminal receipt to show the (a) entire deal amount and (b) the amount of the 1st check, the check #, and $ amount, and (c) the # of remaining recurring electronic debits and (d) the amount of each electronic debit as well as a Grand Total (sample 3, 6, and 12 month receipts are attached)

You can opt to have all three options displayed for the cashier such that the consumer can decide what is best for their budget based on the monthly payment schedule.

The Consumer Security Agreement reflects the down payment (check # 1), the number of recurring debits based on the term selected, and the amount of each subsequent debit. A two-part, MICR encoded form provided by SPS is used for running transactions.

The initial payment ( check # 1 ) is only 25% of the total with the balance of 75% being split and debited evenly over 3, 6, or 12 months depending on the term selected ( i.e. 25% down plus 3, 6, or 12 debits for the balance due in approximate 30 day increments from the transaction date ).

The Equipment:


Verifone VX 520

Verifone VX 805

RDM EC6111 Imager

Here is a sample of the security agreement that is completed and scanned.

What are the rates my customer pay?


The rates starts at:

  •  12.95% for 3 month
  • 19.95% for 6 months 
  • 30.95% for 12 months.

Who is NOT allowed to participate?

Certain business (Bail Bonds and Jewelry Stores with under $1000 average sale) will be considered on a case by case basis.

What Does it Cost Me?

​EZ Credit America does not charge you any per transaction fee or percentage of sale fees.  All fees are paid by the customer in their monthly payments.

There are NO monthly fees to you as long as you make one sale a month with the system .  

​You only pay for the equipment.

 The equipment lease is $155 per month

for 4 years or $4695 one time cost.

Do you want to:

Be fully funded in 3 Days for the full price of what you sell?

Not  be responsible for chasing payments or NSF checks?

Not be responsible for collections?

Not have charge backs?

Get instant approvals?

Not pay fees to get your customers funded?

Make a ton more money?

Increase your cashflow, sales and bottom line?

See if you qualify now to take advantage of all these and more.

Click the Button Below to Get Started