YouPayLater Information

YouPayLater℠ is a great financing option for anyone with "not-so-perfect" credit. To apply, a customer must have a personal check available with the down payment of 25% of the sale and a government-issued photo ID. YouPayLater℠ is an alternative financing provider that works with people who face credit issues or financial difficulties. The average cost of financing a purchase using YouPayLater℠ is affordable for most and can be compared to a sub-prime credit card, making it a no-brainer choice for any customer with credit issues. Although we do not make approval decisions based on FICO score, soft credit is often pulled as part of the broader consumer report. Many people have derogatory marks on their reports, such as bankruptcies, foreclosures, late payments etc that negatively affect their FICO, while their actual financial situation is much different, making them a perfect candidate for a payment plan with only 25% down. Depending on the amount of purchase and the borrowers financial standing, we may be able to qualify customers for a 3, 6 or 12-month payment plan for up to $5000, and in some cases, like financing cosmetic surgery or a car, the limit can be increased to up to $10,000. A Borrower-Customer can choose any merchant or service provider in our network. In the event a selected merchant is not yet offering YouPayLater℠ Payment Plans, we will do our best to make sure they join our fast-growing merchant network and have you as their valued customer.