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Short-term financing for your consumer customers.

XpressPlus™ is a non-recourse credit program that provides short-term financing for qualified consumers.  This program supports both United States and Canadian transactions.

Offered as either a private-label or a co-branded program, XpressPlus™ delivers two  (2) distinct consumer credit products - Revolver and Loan - that can be implemented separately or combined together to give your customers the ability to acquire the products and services they want via a convenient payment plan that fits their budget.

Revolver - Our XpressPlus™ Revolver is a balance forward line of credit involving a minimum monthly payment.  Incorporating industry standard commercial credit card capabilities, XpressPlus™ Revolver provides an accountholder with the option of paying for their purchases in full each month or spreading their payments over time.  Available promotions include "Same-As-Cash" and "Equal Payment" plans. 

Loans - Our XpressPlus™ Loan program is a structured payment plan featuring a specific repayment schedule.  This product is ideal for consumers who prefer to pay for their purchases via a series of fixed payments over time. 

Merchant Benefits:   XpressPlus™ enables our merchants to:

  • Improve their cash flow
  • Reduce their risks
  • Increase sales revenues
  • Enhance customer satisfaction and loyalty
  • Gain a competitive advantage in their marketplace

Customer (Accountholder) Benefits:  XpressPlus™ provides tangible benefits to our Accountholders too:

  • Simple application process
  • No annual fee
  • Generous credit lines
  • Flexible payment options
  • Competitive APRs

For information on our TermsPlus™ ,  MatrixPlus™  and / or our LeasePlus™ financing solutions, please click on the corresponding link.