Multiple Ways to Pay

Choose the best fit for you
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Zero-Integration Standalone Apps

Your customers can create a free account, apply for a spending limit, request a lease, and complete payment all within our free FlexWallet app. No setup required.

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Integrate into your Finance Cascade

Capture denials from your primary financing solution. Automated process saves time.

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Integrate with Merchant Portal

Get a custom web portal for your sales associates to facilitate customer application, lease submission, and payment at the point-of-sale.

FlexWallet App

Customers can lease-to-own in your store all from within the FlexWallet app with a few simple steps:

 

  1. The customer texts the word "Wallet" to 34567 and receives a link to download the app for free.
  2. They fill out the simple application to receive an instant decision and spending limit.
  3. With their spending limit, they can add each product to their lease request (or simply add the order total with a snapshot for partner stores.)
  4. With their lease request submitted, they will receive a lease agreement in the app.
  5. The customer signs their lease agreement and receives a virtual credit card in the app.
  6. The sales associate can use the virtual credit card details to complete the purchase at the point-of-sale.



    By texting in the keyword, you will receive a one-time message with promotional mobile alerts (e.g. cart reminders) by SMS message . Msg & data rates may apply. Text HELP for help. Terms & Conditions. Privacy Policy.



See the process in action

Finance Cascade

Integrate FlexShopper as a secondary finance solution.

Save the sale for customers who get denied for your store credit card.

Our developers can work with your primary credit provider to seamlessly and securely transition customer's application data to FlexShopper in the case of a denial.

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Merchant Portal

 

Access to FlexShopper at every Point-of-Sale

Sales associate can facilitate:
  • Customer Applications
  • Lease Requests
  • Transactions

Get sales reporting in your dashboard.

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FlexShopper Merchant Portal

Save and Increase Sales. Let us Tell You How.

Interested in expanding your customer base and saving sales? Fill out our contact form and a dedicated retail partner specialist will get in touch to see how FlexShopper can benefit you.

How it Works

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1. On this site, we use the terms "lease," "lease agreement," "rental-purchase agreement" and "agreement" the same. (We usually use the term "Lease.") Under your Lease, you can: (a) make 52 weekly payments or exercise an Early Purchase Option to acquire Ownership of the rented goods or (b) rent the goods for at least the initial term and then end the lease when you want by making all required payments and returning the goods. In NC, the final payment required to purchase the rented goods will be an amount greater than 10% of the Cash Price.

2. Good credit is not necessary but not everyone with bad credit is approved. Our goal is to help consumers with bad credit get goods they want through a Lease.

3. You will own the item(s) and not have to pay any additional amount if you pay the full Cash Price (the Cash Price is the price we charge for a cash sale of the item (or $50 more than the price the merchant you select charges) plus sales taxes and may be higher than the price you would pay if you were to purchase the item(s) directly; if you rent multiple items at the same time, we reduce the Cash Price (and increase the Cost of Rental) by $50 for the second and each subsequent item you rent, which makes it less expensive to purchase the items before the end of the term of the Lease). After 90 days, you also have an Early Purchase Option that allows you to own your item(s) for less. Simply refer to the table in your Lease to look up the Early Purchase Option amount after each payment date.

4. An initial security deposit and/or payment may be required.