Pay over time solutions that power sales

Real-time consumer financing, tailored for your business needs.

A single solution to serve more customers

Dynamic financing designed to accelerate growth by providing more
purchasing power and longer payback terms.

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Flexible choice of offers

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Broad-spectrum coverage

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Customer centric experience

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Health & Wellness

Dental Ortho Aesthetics MedSpa Chiropractic Audiology Regenerative Vision Functional Medicine
Retail

Retail

Auto & Home Appliances Electronics Sports & Fitness Golf Carts Jewelry & Watches Equipment
Travel & Services

Travel & Services

Agencies Airlines Coaching Cruises Expeditions Hotels Camps Clubs Prep Courses
Home Improvement

Home Improvement

Countertops Cabinets Repair Roofs Fencing Siding Window Treatments Doors Flooring Renovations Repairs

Flexible offers, configurable plans

We have standard offers or we can collaborate to create tailored offers.

True 0% Plans

Drive the highest conversion rates with 0% interest financing and longer payback periods.

Rate Based Plans

Present affordable financing terms with options like low APRs* and risk-based rates.

No Interest Promotions

Waive full interest for borrowers that pay off their original balance by the end of the promo period.

*APR stands for annual percentage rate, which refers to the total cost of a loan as an annual rate.
All loans have fixed interest rates during the loan term and are subject to qualifying credit approval. For No Interest Promotions, interest is billed during the promotional period, but all interest is waived for borrowers that meet all qualifications and pay the original balance by the expiration of the promotional period. Additional terms & conditions apply as outlined in the borrower's loan agreement.

Easy integration, seamless experience across channels

integration-icon01 Modern experience with choice of integration options.

integration-icon02 Flexible offers & real-time decisioning experience.

integration-icon03 Lifecycle support across every customer stage to activate sales.

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“ClarityPay was built to put merchants and their customers at the forefront of everything we do.

We're here to give comprehensive tools for merchants to sell more by streamlining the user experience and simplifying the financing solution.”

Houman Motaharian

Founder & CEO, ClarityPay

Our focus: Utilizing decades of experience to deliver innovative point of sale financing solutions

ClarityPay was founded on a deep understanding of credit risk modeling. We deliver value through intelligent point-of-sales experiences and transparent financing solutions that meet the needs of more people.

Our team brings decades of experience in point of sale financing, credit, and risk with leaders from American Express, Citizens Pay, Citi, Synchrony, LendingPoint, Google Payments, and HSBC.

This experience has directed our mission to assess your unique customer needs and provide a turnkey solution that can work as a standalone solution or augment your current program.

With ClarityPay, more of your customers get access to more flexible financing options to choose what works best for their budget.

We think like merchants, we deeply value positive customer experiences, and we collaborate with clients to help them reach a new level of success.

Get started with us.

We look forward to learning more about your business goals and how we can help.