PayTomorrow
PayTomorrow describes a full-spectrum financing platform that matches lending partners with customers of all credit types through waterfall technology. Its homepage lists Prime, Near Prime and No Credit Needed programs, with retail installment, hybrid lease-to-loan and lease-to-own structures.
PayTomorrow: Prime program
Its site says applying uses a soft pull to confirm rates, that approvals arrive within seconds, and that it covers online, in-store and phone sales channels with dedicated merchant support.
| Product or service | Function |
|---|---|
| Prime program | Retail installment loans for customers with strong credit. |
| Near Prime program | Hybrid lease to loan to own financing. |
| No Credit Needed program | Lease to own financing. |
| Soft pull | Rates confirmed without affecting credit score. |
| Merchant support | Dedicated account and merchant support reps. |