Direct-to-Consumer
Financing.
They apply.
They get funded.
You get paid.
For sales that happen beyond the checkout counter.
Direct-to-Consumer
Financing.
They apply.
They get funded.
You get paid.
For sales that happen beyond the checkout counter.
OUR NETWORK
One Application. Multiple Lenders.
SweetPay routes each consumer application to the best-fit lender in our network — covering every FICO band from excellent credit to no credit at all.
Industry-leading digital lenders, from prime, to near-prime, to sub-prime!
5.99%–23.99%
FICO 660+
7.99%–29.99%
FICO 620+
9.99%–35.99%
FICO 580+
9.95%–35.99%
FICO 550+
OUR PROCESS
It's as Easy as 1, 2, 3
Send the Link
You get your unique application link and share it with your customer. They apply in minutes.
They Get Approved & Funded
They select the offer that's best for them, complete the loan, and get the money.
You Get Paid
You treat them like a cash buyer. They pay you, and the lender handles the rest.
LOAN HIGHLIGHTS
Competitive Terms For Your Customers
Loans up to $50,000*
Our lenders provide loans from $1,000–$50,000, dependent on credit.*Up to $100,000 for home improvement loans.
Rates from 7.49%
We've partnered with the industry's top rated lenders, ensuring the most competitive rates for most credit tiers.
Terms up to 7 Years*
Flexible terms up to 84 months (for larger loans) with no prepayment penalty.*Up to 20 years for home improvement loans.
CREDIT INCLUSIVE
Loans for Most Credit Profiles
Our lenders are nationally-recognized as the best for unsecured, personal loans and are highly capitalized.
Smart filtering ensures your applicant is a good match for available lending options.
With offers for FICO scores from 550 and higher, your customers will have more opportunities to get funded.
Unlike loan marketplaces, our lenders won't continually spam your customers.
Ready to offer consumer financing?
Get your customers funded — regardless of their credit profile.
Or call us directly: (833) 677-9338
Consumer financing solutions that help
merchants say yes to every customer — across
every credit profile, in every industry we serve.
COMPANY
SweetPay is a financial technology platform and achieves its ability to approve all customers through a combination of SweetPay financing and other finance companies on the SweetPay platform. SweetPay's ability to approve everyone may not be available in certain states and in certain industries.
SweetPay LLC is licensed by the California Commissioner of Business Oversight (California Finance Law license #60DBO 94129). Copyright © 2026 SweetPay LLC. All rights reserved.