Consumer Finance Programs
The most trusted source of consumer finance programs for retailers and service providers.
Trusted by a diverse group of companies
and many, many, many, more!
We Grow Businesses
Variant Financial™ is a leading provider of consumer financing options for retailers and service providers.
Multiple Programs With Unique Options For A Wide Variety Of Industries And Credit Risks
Variant Financial offers a wide range of consumer finance programs for retailers and service providers in many different industries. Our programs are flexible and designed to work for individuals of all credit levels.
In addition to traditional brick and mortar businesses, Variant is also effective for online retailers, tele-health, and other merchants selling remotely.
Many Loan Options
Variant offers both standard installment and revolving loan products, in addition to no-interest and deferred payment options.
Wide Range of Credit Risks
Variant specializes in providing programs for prime, sub-prime, and challenged credit risks, but we also can approve deep -subprime.
Almost Every Industry
Variant provides consumer financing programs in almost every industry including healthcare, power sports, and home improvement.
Generous Loan Amounts
Most of our programs target transactions between $500 and $20,000, but we can go larger in some industries.
Customizable Programs
We can customize our programs so that they fit our clients needs. From alternative rate sets to white label options, Variant has the solution you are looking for.
Online Retail
Our programs work for online retail sales and we have integration options with most online shopping carts.
Our consumer finance programs are engineered for maximum performance
Primary
1st look, or “primary” consumer finance programs can be defined as those that are designed to approve average credit and above. These programs customarily offer “no interest” or “reduced interest” promotions and longer loan terms to attract more credit worthy buyers to apply.
Sub-Prime
2nd look, or “sub-prime” programs are designed to approve individuals with below average credit. These programs generally have a higher cost to the customer and/or the merchant due to the increased lending risk. These may also be called “near prime” programs and can significantly increase conversion rates and incremental sales.
Tertiary
3rd look, or “tertiary programs“, are designed to approve a very high number of applicants and in some cases, can approve everyone. Most importantly, tertiary programs are versatile and customizable and their structure is dependent on the client’s cash flow needs, margins, and risk tolerance.
Variant Financial™ is dedicated to making sure our clients are happy with their chosen financing programs because our success depends on it. For instance, Variant doesn’t make money unless loans are being approved and funded and we understand better than anyone how important it is for a consumer finance program to fit inside a client’s sales process. That is why we put so much effort into making sure the programs that we develop and manage are effective in today’s ever changing credit markets.
At Variant, we look closely at your customer credit demographics, marketing strategy, sales process, profit margins, and revenue objectives to layout a program that will enhance your overall business model. Variant has developed a wide range of options that include primary, sub-prime, and tertiary programs. Nobody does consumer financing better than Variant Financial™.
