primary. subprime. tertiary.

From great credit to no credit

Consumer Finance Programs

for a wide range of credit risks

Variant Financial offers a wide range of consumer finance programs covering many industries. Unlike traditional bank programs, Variant’s consumer finance programs offer flexibility, working for those with sub-prime credit as well as those with good credit.

Consumer finance programs can be broken down into 3 categories of credit risk; Prime, Sub-prime, and Tertiary (3rd look). Variant specializes in programs covering all three categories. Use the links below to find more detailed information about these types of consumer financing programs and how they are used.

Primary

Primary consumer finance programs are designed to approve customers with average to good credit who typically have credit scores in the mid-600’s or above.

650+

DETAILS

Subprime

Subprime, or secondary consumer finance programs, are designed to approve marginal credit customers with credit scores between 580-650.

580-650

DETAILS

Tertiary

Tertiary consumer finance programs usually sit behind a primary and subprime programs and are designed to approve customers with credit scores below 600.

Below 580

DETAILS

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Increase your marketing power

We offer the best consumer terms in the industry giving you the ability to market in ways your competitors can not.

Higher conversion rates

Most of our merchants have conversion rates in the mid 90% range. Which means when the customer is approved…THEY BUY!

Customize your program

We offer your the ability to make your program unique, and can customize special promotions for events like the holiday shopping season.

Unmatched merchant support

With our competitors, you are a needle in a haystack. Our model is working with smaller numbers of merchants to provide the service you deserve.

Easy integrations and process

With Variant, we can design a process around the way YOU do business. Multiple integration opportunities and white labeling available.

Available for both in-store & online

Whether you have multiple storefronts or sell exclusively online, Variant has what you need to close those transactions quickly and effectively.

A Committed Partner

“Variant has been the most trusted source of consumer finance programs for retailers and service providers since 2007. No company has more options and specific experience than Variant and you will always be treated with honesty and respect.”

Daniel O’Connor

Managing Member, East Bridge Funding

Talk to the experts!

No one knows consumer financing programs better.

Consumer finance programs can be broken down into 3 categories of credit risk; Prime, Sub-prime, and Tertiary (3rd look). Variant specializes in programs covering all three categories. By clicking in the boxes below, you will find more detailed information about these types of consumer financing programs and how they are used.