A multi-lender platform that provides financing offers direct to you to obtain the funds you need between $1,000 - $100,000. Borrowers are approved with credit scores as low as 550 and offer terms up to 60 months – With rates from 5.99% to 35.99% subject to income & credit.
Your application is a “soft inquiry” which means it does not affect your credit score so you can apply easily and discretely to find an affordable payment
Your application goes to a pool of multiple competing lenders who quickly respond with their best offers to meet your financing needs based on your credit score and income.
Funds come directly to you so you can pay the balance of your product or service with a payment you can easily afford.
Concerned you may not qualify?
Friends & Family are eligible to apply on your behalf.
IMPORTANT: If you have been referred to us by a participating member. please contact them and request the application link.
If you need a referral from us please click the referral link below and include the type of representation you are seeking as well as your city and state and we will do our best to put you in touch with one of our ePay Finance providers.
Step 1. Contact the participating member of ePay Finance for the application link and Click on the “Apply Now” button.
Step 2. Complete the 90-Second Application to get pre-qualified and see your payment options.
Step 3. Accept any offer and complete the loan agreement electronically.
Step 4. Submit any requested documentation and get funded.
Our team is there to assist and answer any questions during the application process.
Founded in 2000, ePay Management has an impressive long-term legacy of partnership with its customers in successfully applying technology-based, consumer financing and merchant electronic payment solutions and solving their toughest problems. We are proud of our reputation as a solutions provider and innovator. Our corporate culture is one of dedication, respect, and continuous improvement. We measure our success by our customers' successes.
Within our Industry, we enjoy a remarkable degree of potential. With that potential comes the responsibility to practice business in accordance with the highest standards, to be accountable for the products and services we market, and to honor our relationships in both appearance and fact.
Since ePay Management was established in January, 2000, we have striven to fulfill these responsibilities. And with good reason. Otherwise, we could lose our most important asset: the trust of our customers, sales partners, affiliates, and vendors in the credibility of the products and services we provide.
We believe that our future depends upon preserving and enhancing this trust. Therefore, we must ensure that:
1. Our integrity is of the highest caliber.
2. We market our unique services with accurate information and present it fairly.
3. Our professional conduct is unassailable.
4. Our personal conduct, as it reflects on ePay Management, is beyond reproach.
Retainer fees typically range from $1500 or as high as $5,000 or more, depending on the work involved. A retainer is typically requested at the beginning of legal representation. Retainer fees are often based on the lawyer’s hourly rate multiplied by the number of hours it is expected that your case will take. The amount for the time spent on the case will then be subtracted from your retainer.
Clients in need of legal services without the available cash to pay for a retainer fee have a few options to consider; Borrowing money from a family member or friend, applying for a credit card or taking out a personal loan are the three main options. Often times the credit line associated with a credit card is not enough to cover the cost of a retainer and other options to consider include interest rates, promotional offers and card benefits. When applying for a personal loan it is important to consider similar factors such as loan terms, interest rates, origination fees and offer amounts. Fortunately there are lending options that offer “Check Your Rate” features that allow you to browse offers from multiple lenders without hurting your credit score. Loan amounts are often higher than credit cards and interest rates are usually lower.
The short answer is “yes” and “no”. It depends on the firm. Some attorneys may offer “in-house” financing, breaking up the cost of your case over a set period of months at a certain dollar amount in equal payments. This policy is risky for the attorney as often times they are unable to collect the full payment from the client which results in a loss of income or pricey and timely collections procedures. Most attorneys who do offer in-house financing try and keep the term of the loan to 6 months or less and also like to setup automatic payments from a checking account or credit card. Many firms have partnered with lending platforms that offer arm’s length personal loans to their clients for payment of legal services. This option is ideal as it eliminates the risk associated with the attorney carrying the loan their self and also provides more options for the client in terms of offer amounts, interest rates and terms.
The cost of legal representation is based on the experience level of the attorney, the type of case you need to hire them for, projected longevity of the case and even geographic location. More experienced lawyers charge higher fees and the complexity of the case also plays a role. Since most firms offer a free initial consultation, it is wise to shop around to find an attorney who can represent you with a fee structure that fits your budget.
Here are some general questions regarding our consumer finance solution, for specific questions regarding your business type please refer to your vertical on the menu.
Funds are provided in the form of a personal loan directly to the borrowers checking account and in turn the merchant collects the balance of their invoice from their funded client. Direct-to-Borrower funding allows more flexibility in loan terms.
A minimum credit score is typically 550 but many factors are considered for approval such as debit to income and outstanding collections. The lenders will determine credit worthiness and make an offer based on their analysis. All offers are made instantly with a soft credit pull so the borrowers credit is not negatively impacted.
Pre-approvals are instant and the borrower can evaluate the best offer that fits their monthly budget. Once the offer is selected the lenders may take up to two days for firm approval and the funds are then dispersed via ACH to the borrowers checking account. On average the process takes 5-7 days for funds to deposit when a borrower is pro-active in completing the loan documents.
A recent pay stub and copy of driver’s license are required by most lenders, some may also require bank statements for proof of income.
Our market place can fund $1,000 - $100,000 depending on credit worthiness.
Interest rates very between 5.99% - 36.99% with loan terms up to 84 months depending on credit worthiness and amount funded. The lender may also bill an origination fee of 0-6%.
Once the loan has been approved funds will typically be availible in 48 hours.
