In-House Financing
Offer your own financing without third-party lenders. Build customer loyalty while maintaining full control of the experience.
In-House Financing
No third-party lenders
Term Length
$433.33/mo
12 monthly payments · 2% checkout fee
How It Works
Become your own lender in four simple steps.
Define Your Terms
Set plan fees (including 0%), maximum plan lengths, minimum payments, and eligibility criteria — you're in full control.
Customer Applies at Checkout
A simple, embedded application captures the information you need. No credit checks required.
Instant Decision
Customers need only pay the required downpayment to open a plan — no waiting for approvals.
Collect & Retain
Payments are collected automatically on schedule. You keep the customer relationship and all the margin.
Key Features
Full-featured financing tools — without the middleman.
Flexible Fee Options
Add optional fees to your payment plans — or offer fee-free financing. You decide what works best for your business and your customers.
Risk & Recovery
Stripe Radar provides built-in fraud detection and risk scoring to protect every transaction. For US merchants, our collections partner TrueAccord can handle default recovery.
No Credit Checks Required
Approve customers without hard credit pulls or third-party bureau checks. Remove barriers to purchase and let more buyers qualify on your terms.
Flexible Configurations
Different products can have different financing terms. Offer longer plans for higher-ticket items and shorter plans for everyday purchases.
Portfolio Reporting
Track your outstanding financing portfolio with aging reports, delinquency rates, and projected revenue dashboards.
No Third-Party Lenders
You are the lender. No revenue sharing, no customer data leaving your platform, no third-party branding.
Use Cases
Industries thriving with in-house financing.
Make Care Affordable
Patients are more likely to proceed with elective treatments when they can finance the cost in-house. Offer 0% plans and keep patients coming back.
Close Bigger Projects
Contractors and home service providers close more jobs when customers can finance renovations directly — no bank approval needed.
Finance Career Programs
Trade schools, CNA training, real estate school, and cosmetology programs use in-house financing to make career education accessible — no traditional student loans required.
From the Blog
Insights and strategies for offering in-house financing.
TrueAccord and Partial.ly: A Partnership to Help You Focus on Business
Learn how our collections partner TrueAccord uses AI-driven communication to recover defaulted plans — so you can stay focused on growing your business.
Ready to Get Started?
Create your free account and start accepting flexible payments today.