Why Switch
You are no longer restricted to a single-lender solution.
Most merchants are still running the model they signed up for years ago: one lender, one credit box, one answer. Everything outside that box is a lost sale you never hear about.
The switch, line by line
What you have now
Better Financing
One lender, one credit box
A routed stack of lenders across the credit spectrum
A decline ends the sale
The application moves to the next best-fit lender
$1,499–$2,999/year platform fees are normal
No annual platform fee, no access fee, ever
Deferred interest sold as "0%"
True 0% APR programs, distinct from deferred interest
Separate logins per lender program
One dashboard for every application and merchant setting
Hard pulls that scare customers off
Soft credit pull pre-qualification, no impact to credit
No annual platform fee and no access fee refer to program participation cost. Transaction-level rates and fees vary by product and are disclosed at time of application.
What the stack covers
475–850
FICO coverage on home improvement programs
< 3 min
Typical mobile application time
$750,000
HELOC ceiling for qualifying homeowners (TX, PA, FL)
$25,000
Max approval on qualifying prime medical products
Medical programs cover all credit tiers, including customers with no established credit. Product availability and approval amounts are subject to lender underwriting.