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    Customer Financing Program

    Turn potential customers into buyers with Advancial’s Customer Financing Program.

    Program Benefits
    Advancial will help you close more sales and build your bottom line with our Visa® Rewards Plus credit card. Visa Rewards Plus is a flexible and affordable payment option that allows your customers to make their purchase today and pay it off over time.

    Business Benefits

    • Eliminate purchase delays
    • No set up fees, monthly fees or volume requirements
    • Quick payment back to your business
    • All application decisions are made in-house by our experienced credit analysts
    • Reputable lender in business since 1937

    Customer Benefits

    • Immediate access to their approved credit limit
    • Convenient monthly payments
    • Fair and competitive rates
    • Superior member service
    • Unlimited rewards up to 1.5%1 on every purchase—
      Not including their initial retail transaction

    Program at a Glance

    • No minimum purchase amount
    • 0% APR for 12 months on initial retail transaction—
      After that, your APR will be 9.90%-16.90% based on creditworthiness
    • No annual fee
    • No penalty rates
    • Minimum monthly payments required

    How the Program Works
    woman filling out an application

    Step ONE

    Customer completes the short application for credit
    women at home looking at tablet on couch

    Step TWO

    Customer receives a quick credit decision
    excited man on his laptop quietly celebrating

    Step THREE

    You receive full payment within 48 hours after the loan documents are signed
    woman smiling looking at her tablet

    Step FOUR

    Customer receives their Visa Rewards Plus credit card via mail to use for future purchases

    Ready to Close More Sales?
    Contact us to join our Customer Financing Program today!

    There are no volume requirements or monthly costs for your business.

    There is a one-time charge of $10 that covers the cost to establish the required credit union membership for your customer to access financing with us. This charge will continue to be deducted from the payment you receive for your customer’s invoice. The decision to incorporate this $10 charge into your pricing to your customer is entirely up to you.

    Frequently Asked Questions
    You will have your choice between check payments that we will overnight to you and ACH payments to your preferred bank account.
    You will receive a full payment within 48 hours of your payment request. Payment can only be sent after the loan documents have been signed by the customer and the loan is booked.
    Advancial will create a co-branded web page and digital flyer with QR code to you landing page for your business. The digital flyer will help to direct your customers to our online application and provide information about the program. The web page, digital flyer, and additional marketing materials are provided at no cost.
    You will be provided with access to our Merchant Portal which will allow you to see application statuses in real time, upload invoices, and request your payment at your convenience.

    Likewise, an Advancial representative will be in contact with you and your customer throughout the process and to provide you with assistance.
    Unfortunately, this program is for consumers only.
    Our Visa Rewards Plus Card is the only option currently available.
    The customer will be required to make minimum monthly payments which amount to 3% of the financed balance.
    No. This is truly a 0% interest for 12 months product. Interest is not deferred or accumulated. The 0% interest for 12 months applies to all purchases made in the first 12 months period. After the 12 months promotional period is over, the 9.90% - 16.90% APR will apply to the balance that is carried over.
    1 Earn unlimited 1% rewards on all purchases up to $2,500 and unlimited 1.5% rewards on all purchases when you spend $2,500+ in one statement cycle.
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