Approved more often, because we never stop at one lender.

No. It is a multi-lender platform that processes the application and routes it to banks, finance companies and lease-to-own providers in its network. The provider that makes the offer writes the contract, sets the rate and collects the payments. That distinction matters most for billing questions, payoff quotes and disputes, which go to the provider named on your agreement.

There is no single cutoff. The network spans the full credit spectrum and includes a no-credit-needed program, so a low score does not automatically end the application. Commercial equipment programs generally begin around a 500 FICO. Beyond the score, most providers weigh income, time on the job, payment history and debt-to-income ratio. Third-party articles claiming a fixed minimum of 550 are not accurate across the platform.

The first step is a soft credit pull, which does not affect your score. A matched provider may then run a hard pull to finalize an offer, which is more likely on larger amounts. If a provider declines and the file moves to the next one, that provider may also pull. Inquiries tied to a single credit request can be raised with the credit bureaus if they appear separately.

Consumer transactions run from roughly $50 to $50,000 depending on the program and what is being purchased. Commercial financing starts at $500 and extends to $5M and above. Municipal transactions start at $1,500. The amount is set by the lender, and selecting an accurate range on the application helps route the file correctly.

Payments go to the lender or lessor named on your agreement, not to the platform. Your contract lists the payment portal, due dates, autopay set-up and payoff instructions. If you cannot locate the provider's details, customer care can identify which provider holds your contract.

Most programs allow early payoff, and several lease programs include an early purchase option — commonly 30 days, or 90 to 101 days, same as cash. On a lease, paying inside that window is usually the single largest cost saving available. Confirm the exact early payoff figure with the provider in writing before signing.

It depends entirely on the provider. Some lease-to-own companies report to the credit bureaus and some do not. If credit building is one of your goals, ask the provider directly before you sign rather than assuming — and note that a program that reports will also report missed payments.

No. Program availability varies by state, product category and provider, and the mix of programs you see depends on where you live. Certain categories carry additional state-level restrictions; pet financing in particular is limited or prohibited in some states.

There is no fee to apply or to see what you qualify for. Costs such as interest or lease charges, initial payments, documentation fees and late fees are set by the provider and disclosed in the agreement before you sign anything.

Many consumer categories and commercial requests up to $15,000 return an instant decision. Larger commercial files and municipal contracts are handled consultatively by an account representative and depend on documentation such as bank statements, financials or board approvals.

Check your junk folder first, since approval instructions arrive by email. A missing piece of information is the most common cause of a stalled file. Customer care can tell you the application's status and what is outstanding — call 888-509-1370 or text 877-202-4165 during business hours.

Programs cover durable goods, equipment and services. Items that cannot be delivered or identified, and purchases prohibited by a provider's own policy or by state law, fall outside the network. If you are unsure about a category, ask before applying rather than after.