Tertiary Programs

Tertiary Consumer Finance Programs (3rd Look)

Even with the use of a Sub-prime or 2nd look program, not all applicants can be approved.  Tertiary consumer finance programs can be defined as financing options offered last in line and usually sit behind a primary and 2nd look program. Tertiary programs are designed to approve applicants with challenging credit issues like delinquencies, charge offs, and judgments.

Tertiary consumer finance programs aren’t for every business.  They almost always carry some sort of risk on the merchant’s part. However, if structured properly, the risk is calculated and minimal.

Tertiary programs allow for far more customization than primary and secondary programs and in some cases can allow for 100% credit acceptance.

Program Objectives


Acceptable Financing Terms
Acceptable Terms
Tertiary programs should have terms that minimize risk to merchant but are still acceptable to debtor.
Quick Simple Processing
Quick Simple Processing
The process must be quick and simple or merchants and customers will not use the program.
Calculated Risk
Managed Risk
Variant structures its tertiary programs around a merchant's risk tolerance.

For over a decade, the principals of Variant Financial have built and managed successful tertiary programs for retailers and service providers.

Other Programs

Tertiary Program Basics

Credit Score Required


500 to 850

Loan Sizes



Loan Term


6 to 24+ Months

Customer APR*


9.99% to 17.99%

*APR stands for Annual Percentage Rate

Let’s start building your consumer finance program today!

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