Let Every Customer Say Yes

Offer flexible lease-to-own financing at point of sale. Approve up to 80% of customers — regardless of credit history.

Start Offering Retail Financing →

How It Works

Three steps from "let me think about it" to "ring me up."

1

Customer applies in 60 seconds

Right at checkout — in-store or online. No paperwork, no waiting.

2

Instant decision up to $5,000

Approvals use 20,000+ data points, not just credit scores. Bad credit? No credit? Still eligible.

3

You get paid in full

Customer pays affordable weekly or monthly installments. We handle collections.

Why Offer Retail Financing

More approvals. Bigger tickets. Customers walking out happy.

Built For

Retailers with tickets between $200 and $5,000+.

Furniture stores
Electronics & appliances
Tire & auto shops
Mattress retailers
Jewelry stores
Outdoor & sporting goods
Home improvement
Specialty retail

The MidPay Advantage

Why merchants choose us — and stick around.

Ready to start offering retail financing?

Every customer leaves with what they came for. Every sale closes. Every dollar lands in your account upfront.

Start Offering Retail Financing →
No setup fees. No monthly minimums. Approval in minutes.