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.