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ISPC's Finance Options

Standard Plans

Preferred Plans

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ISPC’s financing consists of a two-tiered approach capturing both prime and sub-prime business.  The first level consists of nine different revolving charge finance options for the merchant to choose from.  See the breakdown below and follow the links to learn more about each specific plan.

 
 

Standard Finance Plans

17.99% APR, 2% minimum monthly payment
17.99% APR, 2% minimum monthly payment, 90-day delayed payments and interest
17.99% APR, 2% minimum monthly payment, 180-day delayed payments and interest
17.99% APR, 2% minimum monthly payment, 365-day delayed payments and interest
 
 

Preferred Finance Plans

9.9% APR, 1% minimum monthly payment
9.9% APR, 2% minimum monthly payment
8.8% APR, 0.8% minimum monthly payment
5.9% APR, 0.2% minimum monthly payment
9.9% APR, 1% minimum monthly payment, 90-day delayed payments and interest
8.8% APR, 0.8% minimum monthly payment, 90-day delayed payments and interest
 
  The choice of the above finance plan is selected by the merchant and is not dictated by the quality of the customer’s credit.  If the customer’s credit history is below our primary credit standards, we may offer a risk-based approval.  Put simply, we may be able to approve the customer’s loan by discounting or lowering the risk of the receivable. Through offering primary and secondary lending, ISPC merchants often increase approvals up to 25% .
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