subprime programs.

Subprime Consumer Finance Programs

One of Variant Financial’s biggest strengths is its ability to build, market, and grow effective consumer finance programs for the sub-prime credit market.  A sub-prime consumer finance program, also known as 2nd look financing, can be defined as a program that sit behind a primary or 1st look program and is designed to approve those applications that were denied by the primary lender.

In today’s economy, businesses are finding that traditional primary finance programs do not meet the needs of the majority of their customers.  A good sub-prime consumer finance program can increase revenue dramatically and allow businesses the opportunity to make the most out of their marketing efforts and dollars spent.

When a business chooses to implement a 2nd look financing program, it is extremely important to seek the help of a team of experienced and qualified professionals like Variant because of the vast differences in program structure. Variant will help you choose the program that best suits your business model.

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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.

The right sub-prime consumer finance program can increase sales by 30% or more.

Other Programs



Above 650



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

and more depending on program

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

Principals Background


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

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