For customers Frequently asked questions

PaySpyre Financial partners with businesses to provide affordable financing options to increase access to the products, services, or care you need.

PaySpyre was designed to be easy for customers. Simply find a PaySpyre partner, select your repayment terms, and apply online. On approval, the contract is sent to you to e-sign, then make the payments as agreed.

Yes, anyone of legal age can apply for financing with any of our partnered vendors. We suggest you visit the vendor first, determine the particulars, and obtain their vendor number.

A vendor number is a unique number assigned to each business, service, or care provider PaySpyre is partnered with. This number is required during the application process to match you with the correct business you are financing a product or service from. Ask the business for their PaySpyre vendor number to speed up the application process. You can also search for the vendor number in our database here.

If you cannot find your preferred business, service, or care provider, you can nominate them to become a PaySpyre partner, and we will reach out to them to discuss the possibility.

We know your time is important and we work hard to ensure you get a quick response. Once the application is submitted for approval, we strive to deliver same-day service.

Often yes. The down payment amount may vary based on vendor and risk score. We suggest discussing potential down payment requirements with your preferred vendor before applying.

Rates are determined by our internal scoring system that takes multiple risk factors into account. All terms are disclosed before the contract is finalized.

The length of the term can vary. All terms are disclosed before the contract is finalized.

All accounts are open to payout in full or in part at any time without penalty. Partial pre-payment does not excuse any later scheduled payments until the account is paid in full.

No. We partner directly with vendors, so you don’t need to worry about the added step of taking the financed funds to them.