Point-of-Sale Consumer Financing that Works for Everyone -- PayFina assists customers that do not qualify for traditional prime-credit financing by providing an affordable option to buy now. Merchants and service providers enjoy high approval rates while offering financing terms that are much more customized to consumers than more expensive, one high rate for all subprime options. High Approval Rates + Affordable Financing Terms = Increased Consumer Acceptance Rates = Increased Sales & Customer Satisfaction = Credit that Works for Everyone! PayFina's consumer-centric program includes a 100-Day Early Payoff Promotion and a FREE Financial Wellness Program. More than Just Consumer Financing -- PayFina's mission goes beyond financing, it also empowers consumers to improve their financial wellness with programs to: - increase financial literacy - improve their credit score with fee credit monitoring and tips - provide lower rates for repeat customers