The traditional credit and lending systems are outdated and don’t work for many good people. Banks, credit unions and other traditional lenders are massive institutions that are typically slow to change, content with their old and rigid underwriting, and embrace the mentality of “if it isn’t broken, why fix it?”
At PayTomorrow, instead of being complacent with the current system, they asked the question, “how can we make the lending process better?” They realized that customers are more than just a credit score and treat them as such. Their proprietary underwriting allows them to evaluate factors beyond a FICO score to approve more customers and approve those customers for higher spending amounts!
This break from traditional underwriting techniques is the perfect option for millennials, immigrants, and credit challenged customers with good paying jobs but haven’t had the opportunity to develop a solid credit history. PayTomorrow gives these customers a leg up by building credit without penalizing them in the form of charging higher rates over a shorter period due to their lack of history. Furthermore, PayTomorrow remembers the difficult financial times caused by the recession of 2008. While some of these missed payments may have fallen off one’s credit report, adverse effects from these missed payments can follow individuals around for years afterwards. That’s why PayTomorrow evaluates customers on how they’re performing TODAY and rewards positive payment history with lower monthly payments and longer, more flexible terms than other financing companies.
In addition to their innovative underwriting model, PayTomorrow doesn’t think customers should have to wait to learn if they’re approved for credit to buy new aftermarket wheels, tires, or other automotive accessories. No more printing out applications and faxing them over to a bank for review. With PayTomorrow, credit decisions are made instantly right from the shopping cart! Customers can also utilize their pre-approval process to see how much they will be approved for before shopping. This helps our customers purchase the wheels, tires or accessories they truly want instead of settling for what they can pay for at that time. With a low initial payment at time of purchase (varies between $0 - $59), maximum approval amounts up to $6,500, 0% financing options and repayment terms of up to 36 months, there’s nothing standing in the way of buying with Speedzone Performance LLC and PayTomorrow!
Before, during, and after a customer’s purchase, PayTomorrow provides industry leading support through our US based customer service team. Based in Charlotte, North Carolina, this team communicates with customers over the phone, through online chat, or via email to assist through the application process or answer questions regarding one’s account. They can be reached at 866-418-5857 (Monday – Friday, 8am – 6pm EST) or at firstname.lastname@example.org. They also offer their customers the ability to modify their account outside of these hours through their online customer portal. Customers can change their payment due date, payment frequency, and payment method all from this online portal.
At PayTomorrow, their main goals are to provide access to customers of all credit types and to make the lending process simple and easy for our Customers. Their instant credit decision application with customized rates caters to customers of all credit types and allows more truck and car loving Americans to buy today with PayTomorrow.
Variable pricing based on credit
Rewarding customers that have maintained excellent credit with low APR terms (including 0% loans)
Unique pricing model allows customers who have made a few mistakes with their credit or missed a few payments to pay less than our competitors
Perfect option for millennials who want to build their credit without paying exorbitant fees.
Gives you the opportunity to establish credit
Longer terms than traditional lenders
You can qualify for programs offering between 12-60-month terms
Non fico credit rating system (Including No to low Credit)
Scores based on how you’re performing today, instead of how you used to perform
Higher spending amounts provided
Enable you to finance your entire purchase
US based customer service department
Allows you to call a number and speak to someone
Slice it is an affordable and highly flexible financing option which is offered at the checkout of our online store. The open-end line of credit is issued by WebBank in partnership with Klarna, and it allows you to pay for your purchases over time.
It’s simple! Buy in any online store that uses Klarna and slice up your purchases over time, up to 24 Months! How much can you be approved for? Klarna offers up to 10k in approval limits, but there is a credit check involved to get you there. Just choose the payment option that works best for you at checkout and accept the terms. You will know in seconds if you are approved, then complete your purchase. The order amount will be added to your monthly statement. Klarna will let you know once your statement is ready so you can make your payment. You will receive an email notification of your purchase from Klarna and you can manage your account at klarna.com.
To use this option, just put your items in your cart, head over to the checkout and after you’ve put in your contact information, go to payment methods and select Klarna Slice! You will be taken to a portal to apply, and once approved sent back to complete your checkout! It’s that easy and quick...Now get Shopping!
Affirm’s lending partners
Loans through Affirm are made by Cross River Bank, Member FDIC; Celtic Bank, Member FDIC; or Affirm Loan Services, LLC.
California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.