A Point-of-Sale Game Changer

SweetPay’s Direct-to-Merchant program is a consumer financing program for merchants, medical practices, dental offices, and home improvement contractors. As an industry leader in point-of-sale consumer financing, SweetPay combines credit prequalification, true 0% interest, and financing options across credit tiers. We do this using a single, streamlined application process at a business-friendly price point.

The Power of Prequal

Empower your consumers and staff with the knowledge that a specific loan offer is highly likely while they shop, online or in-store. This will motivate them to shop at your store with confidence that they have a pay-over-time method to make a purchase.

Your business can add a QR code to its website, digital ads, and/or print ads to generate prequalification. Your staff is immediately notified with the consumer’s contact information. Reach out and encourage the prequalified consumer into your store.

No More “Gotcha” Financing

Finally! Point-of-sale financing that truly is 0% interest for prime and near prime credits. No more “gotcha” financing, like traditional deferred interest financing programs.

Your customer gets the benefit of 0% interest during the promotion period and then continues to make low monthly payments after the promotion period with accrued interest at an annual rate of 17.9% – 19.9%. Of course, they can pay off early with no penalty.

Inclusivity Accomplished With Our Credit Waterfall

The benefit of multiple lending options covering multiple credit tiers with the simplicity of a single, streamlined application process.