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Best Customer Financing Companies and Programs In 2023

Customer financing is typically a process that allows individuals to pay monthly when purchasing costly products like appliances. Several different companies and brands provide high-quality customer financing, but there are certain positive and negative aspects to each of them.

We will explore some of the positive benefits of customer financing, but it is important to discuss the various types of customer financing companies typically utilize. Many companies offer zero-interest payment plans if customers pay off their purchases within a certain time frame. These time frames typically range from six months up to eighteen months. The exact terms of the financing agreement may fluctuate depending on your specific credit history.

The Benefits of Customer Financing

You can reap several benefits from utilizing a high-quality customer financing program. Several financing companies provide exceptional terms, but not all provide the same benefits.

There are benefits for customers and businesses that choose to use financing services. Financing allows individuals to pay monthly instead of a massive up-front cost. As you could probably imagine, most people cannot spend much money at once. A larger number of customers can afford these expensive products by allowing monthly payments. This is great for customers that want to make a purchase based on a payment plan, but it is also great for businesses that want to bring new customers into their business.

Benefits For Customers

  • Long-Term Payment Plans for Customers
  • More Potential Customers for Businesses
  • Great Way to Build and Restore Credit History
  • Favorable Terms from Several High-Quality Financing Companies

Benefits For Businesses

  • Increase In Sales and Business Growth
  • Increase In Return Customers
  • Customer Base Growth

Now that we have looked at several benefits of using customer financing companies, it is time to look through seven of the best companies that provide this type of financing. We will cover several important details, but we will summarize everything in the reviews below. We will also provide an in-depth list of pros and cons for each selection.

7 Best Customer Financing Companies in 2023

PayPal Credit

Website: PayPal Credit

PayPal Credit is one of the most popular customer financing companies in 2023. They are partnered with several popular retailers. PayPal Credit allows shoppers to purchase at websites like eBay, Best Buy, and Target. Qualified customers will receive an initial credit line with special terms. In most cases, customers will have six months to pay off their large purchases with no interest. Purchases that qualify must be more than 99 dollars.

One of the most popular retailers for PayPal Credit is eBay, specifically because of the long-term partnership between the two familiar brands. Customers may qualify for additional credit line bonuses depending on the retailer. Still, the overall flexibility provided by PayPal Credit is one of the reasons it has such a reliable reputation with these online retailers.

Another unique factor to remember is that PayPal Credit doesn’t provide you with a credit card. PayPal Credit is a credit line that is integrated into your PayPal account. You can use linked bank accounts and your PayPal balance to make monthly payments. There are also no pre-payment penalties, so you can pay off your entire PayPal Credit balance anytime.


  • Available on Several Online Retailers (eBay, Target, Best Buy)
  • No Interest on Purchases over $99 for 6 Months
  • Customers are Eligible for Periodic Credit Line Increases
  • There are No Pre-Payment Penalties


  • Not All Customers Will Qualify for a Credit Line with PayPal Credit.
  • Large Interest Rats after Promotional Period Expires


Website: ViaBill

ViaBill is another popular customer financing solution for shoppers to consider using on eligible websites. This platform is designed to split larger purchases into four equal monthly payments. If you properly pay each of your four monthly payments, you will be paying no additional interest on your purchase.

Customers can also be confident that ViaBill utilizes safe and secure servers to protect all personal information. ViaBill is already integrated into more than 5,000 retailers and continues to expand to new platforms regularly.


  • Pay for Large Purchases with Four Separate Monthly Payments
  • No Additional Interest if the Purchase is Paid On Time
  • Extremely Safe and Secure for Customers


  • Not All Customers are Eligible
  • Some Popular Retailers Don’t Support ViaBill’s Customer Financing.


Website: Afterpay

Afterpay is an extremely popular selection for customer financing because of its incredible reputation with shoppers and retailers. Customers can split their larger purchases into monthly payments with no additional interest. Late fees will only apply to customers that fail to pay their monthly bill on time. Customers may also be eligible to re-schedule their monthly payments a few times per year.

The Afterpay customer financing platform is extremely popular with online clothing retailers. Customers will certainly have a great opportunity to use Afterpay when making significant purchases on eligible retailers. Simply select the ‘Afterpay’ checkout option to get an instant eligibility notice.


  • No Interest if Paid On Time
  • No Additional Fees if Paid On Time
  • Instant Eligibility Notice on Checkout


  • Not Supported for Several Online Retailers


Website: Affirm

The Affirm financing process is extremely simple to use. You can conveniently select their platform on checkout at an eligible retailer for an instant decision on eligibility. If you qualify, you will receive your estimated monthly payment for your purchase.

This platform is specifically designed for consumers who want to pay for their purchases later. Customers can select their preferred payment date, and there will never be late or additional penalty fees.


  • No Late Fees or Penalty Fees
  • Customers can choose their Preferred Payment Schedule.


  • Not Widely Available on Retailers
  • Limited Customer Service


Website: FinanceIt

finance is certainly one of the most recognized customer financing platforms. Instead of paying massive up-front costs, you can significantly reduce your initial costs and pay for larger purchases over time. You will receive rapid approval decisions after completing your application.

The interest rates on your purchasing loan will vary based on your credit history. Promotional offers pop up from time to time, but they don’t seem as generous as several of the other platforms we have looked at.


  • Instant Approval Decision
  • Fast and Simple Loan Application
  • Regular Monthly Payments with Custom Schedule Offering


  • No Promotional Interest Rates
  • Some of their Interest Rates are Very High

United Consumer Financial Services

Website: United Consumer Financial Services

UCFS is an exceptional customer financing company that has rapidly expanded across dozens of popular businesses and industries. UCFS works with business owners directly to provide an ideal solution that helps them grow their business by offering to finance to customers.


  • Available at Several Popular Retailers
  • Has an Online Application Process
  • Has a Simple Bill Pay System


  • It does Not Offer Direct to Consumer Financing Options

Amazon Credit Amazon Credit

Amazon Credit has several interesting perks, but this financing option is only available on Amazon’s website. There are three primary promotional periods, including 6-Month, 12-Month, and 24-Month options with varying purchase requirements. Special financing will offer 0% APR if the purchase is completed within the financial promotional period.

Amazon Credit also offers no annual fees and provides customers with zero-fraud liability. Customers are also eligible for cash-back when making an eligible purchase with the Amazon Credit line. In addition to all those fantastic perks and benefits, customers may also be eligible to receive a $40 Amazon Gift Card if approved for the Amazon Credit financing promotional offer.


  • Eligible Customers will receive a $40 Amazon Gift Card for their Approval.
  • Three Different Amazon Credit Promotional Offers (6-Months, 12-Months, and 24-Months)
  • No Annual Fees and Zero Fraud Liability for Consumers
  • Instant Credit Decisions are Available


  • Only Available on Amazon’s Website for Financing

Frequently Asked Questions

What is a special financing promotional period?

Promotional periods are typically provided to consumers with zero interest through the remainder of the promotional offer. For example, if a consumer is eligible for a 6-Month 0% APR promotional offer, they will never have to pay interest as long as their purchase is completely paid off in six months.

Are there any additional fees if you fail to make a payment?

Most financing companies do have some form of a late fee if you fail to pay. The good news is that many of these providers are willing to work with customers. Simply contact customer service and let them know about your situation; they will likely be willing to work with you. Some financing companies even provide an integrated option to re-schedule upcoming payments on their website. Other penalties may apply if you fail to contact your financing provider properly before your payment is due.