primary programs.

Primary Consumer Finance Programs

A primary consumer finance program is defined as a financing option that is offered to the customer first (first look) before other finance programs options are presented.  Primary programs offer the most attractive loan terms for consumers and typically have lower dealer fees for merchants but are stringent on credit, only approving customers with good-to-excellent credit. Primary consumer finance programs are an important piece of an overall customer financing program but can only help a portion of the customer base and should be used in conjunction with sub-prime and tertiary programs to maximize sales.

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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.

No one has more experience, options, or is better to work with than Variant Financial…NO ONE.

Other Programs






Below 580

Convert "lookers" into BUYERS

Instant Results

Conversion Rate

Cost Effective

Obtain the marketing power of a big budget advertising campaign for a small budget price.

Easy Integration

Ecommence financing integrations

Unmatched Promotions

True 0% Interest Financing

Loan Details/Parameters*

Loan Sizes


Loan Term


6 to 72 Months

Customer APR**

0% to 17.99%

*Program terms can vary by merchant

**APR stands for Annual Percentage Rate

Basic Merchant Requirements

Years in Business


Business Background


– Profitable
– No Bankruptcy

Principal's Background

– Reasonable Credit
– No bankruptcy
– No foreclosure
– No Tax Liens

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