Support Center

EasyPay Finance offers a technology platform through which retailers offer short-term financing products that facilitate the purchase of retail items and services. EasyPay Leasing uses the Platform to offer lease-to-own payment options directly to customers.

You can contact us through our live chat feature, by phone, or email. EasyPay Finance: (866) 438-8372, CustomerService@easypayfinance.com, Mon-Fri 5am-7pm PST, Sat 7:30am-4pm PST. EasyPay Leasing: (800) 447-6215, LeasingCustomerService@easypayfinance.com, Mon-Fri 6am-7pm PST, Sat 7:30am-12pm PST.

Currently, neither EasyPay Finance nor EasyPay Leasing reports new accounts to the credit bureaus.

The application process is a soft inquiry with two of the three big bureaus which should not impact your FICO credit score. The application process also uses data from secondary and alternative credit reporting agencies and those credit scores may be affected. Since our approval decisions are not based solely on traditional credit scores, customers with poor or no credit may still qualify.

EasyPay's partner retailers and their industries can be found by searching our Find a Store feature on our website.

Yes, existing customers can have more than one account. Certain conditions will apply. Please contact one of our trusted Team Members for more information. EasyPay Finance/RIC: (866) 337-2537, EasyPay Leasing/LTO: (866) 424-7919.

EasyPay Finance/Retail Installment Contract: Yes! For RIC customers, you may service your account through the MyEasyPay mobile app available in the App Store and Google Play Store. EasyPay Leasing/Lease-to-Own: Not at this time. However, LTO accounts can be managed through your web browser.

Applying is simple! You can apply online through our Find a Store page or directly at a participating retail location.

Applicants must: be at least 18 years old, have a valid government-issued ID, have a checking account that is in good standing, have a steady source of income earning at least $750 per month, have a valid email address, and have a valid smart phone number.

A Retail Installment Contract (also referred to as a closed-end credit agreement) is a financing agreement between the retailer and the customer. It is not a loan. The retailer agrees to sell the product/service to its customer on credit. The customer agrees to pay for the product/service over time through scheduled payments, including any applicable interest and fees. The retailer sells and assigns the RIC to EasyPay Finance, and we then service the account.

Yes, you can pay off your contract early without any prepayment penalties. Paying off early may reduce the total amount of interest owed.

Details of the EasyPay Finance FCCP can be found on our website under the Finance Charge Cap Promotion section.

No. The retailer is selling you the product/service on credit; a RIC is not a loan. EasyPay Finance purchases your account from the retailer, and we service the account.

Qualified applicants can be approved for up to $5,000, with a minimum transaction amount of $350. Your approval terms depend on various underwriting criteria and the information provided on your application.

EasyPay Leasing purchases the product/service from the retailer. EasyPay Leasing bundles the product(s) and service(s) and leases the resulting bundle as "personal property" to you. EasyPay Leasing owns the personal property until the lease has been satisfied. This program is designed for customers who prefer flexible payment options without using traditional credit.

Our lease-to-own financing is available through trusted retailers in various industries that include automotive repair, tires and wheels, furniture, mattresses, and much more. See our Find a Store for more information.

EasyPay Leasing owns the personal property until you satisfy the terms of the lease.

Qualified applicants can be approved for up to $5,000 towards the cash price of the lease. Your approval terms depend on various underwriting criteria and the information provided on your application.

You can choose to purchase your leased item at any time during the lease period. Early purchase options may offer savings. See Early Purchase Option(s) for more details.

Details of each of the Early Purchase Option(s) can be found on our website under the Early Purchase Options section.

EasyPay Finance/RIC Customers: Payments can be made through our online customer portal, by phone, or via mail. For detailed instructions and options, please visit your MyEasyPay account. EasyPay Leasing/LTO Customers: Payments can be made through our online customer portal, by phone (800) 447-6215, or via mail at https://easypayleasing.acct-admin.com/

Yes, if you need to adjust your payment schedule, please contact our Customer Service team to discuss available options: EasyPay Finance/RIC: (866) 438-8372, EasyPay Leasing/LTO: (800) 447-6215.

Our enrollment process is quick and easy! You can enroll for free today through our enrollment portal. Our agreement gives you access to our Platform through which you can offer programs available in your area.

There are no monthly fees or minimum volume requirements. Enroll today and you'll be put on a 0% merchant fee.

Our enrollment process typically takes around 15 minutes to complete. You may be requested to provide additional documentation from our Business Support team.

After your enrollment application has been reviewed and approved, you will receive an email with information on creating your account. You can log into your Business Center by visiting the portal login page.

You are not responsible if a customer defaults on their payment obligation. However, you are responsible for handling any warranty or defective merchandise issues, protecting against fraud, and following our guidelines found in your agreement and/or on the Business Center.

EasyPay sends your funds to the account on file via ACH. We send funds Monday-Friday by 4pm PST, not including bank holidays.

EasyPay provides marketing materials for all of our retail partners for free. You will receive a welcome kit upon enrolling. If you need additional materials, please contact your Merchant Success Manager.

You can call our team toll free at (866) 337-2537 or use (760) 718-1824 for a direct line. You can also send our team an email to MerchantServices@easypayfinance.com. Hours: Monday-Friday: 5am-6pm PST, Saturday: 5am-5pm PST, Sunday: Closed.

You can access EasyPay University through your merchant portal or the direct link provided by your account manager. Use your existing merchant credentials to log in.

Yes, you must complete all 7 modules and pass each quiz with at least 80% to earn your EasyPay Finance Merchant Certification.

The complete training program takes approximately 5-6 hours total. You can complete it at your own pace and return to where you left off at any time.

Yes, you can retake any quiz as many times as needed. We encourage you to review the module content before retaking to improve your score.

If you experience technical difficulties, first try refreshing your browser or clearing your cache. If issues persist, contact our support team at MerchantServices@easypayfinance.com.