Merchant FAQs

  • Why should I offer a No Credit Needed finance option?

    The No Credit Needed market is exploding, serving 4.8 million households, and generating $8.5 billion in annual sales (and growing!).  If you’re not offering a No Credit Needed program, you’re missing out on customers. Lots of them.


  • What type of marketing and support does Simple offer merchant partners?

    Your success is our success, so we’ll work with you to make sure that all of your customers (and potential customers) know that Simple’s program is available and the best of its kind. We provide all types of marketing support, from posters and banners to table displays and brochures. We also provide online marketing support and will make certain that every customer visiting your site can easily apply online.


  • Why should I choose Simple over other providers?

    Our customers love us.  We offer the lowest cost to our retailers and their customers.  We are the only financing company that strives to enhance the customer experience and helps our retailers market to new and existing customers.


  • How does the Simple program work?

    1. Customers can apply in your store, either through Simple’s online portal or through a banner link on your website (that we’ll provide and install, absolutely free). Whichever you prefer!

    2. Complete the simple and fully automated application process online and collect the initial payment.

    3. E-sign the lease agreement, upload any conditions, deliver the goods.

    4. Get paid!


  • How much will this program cost me?

    There are no upfront costs for the merchant to enroll. In fact, the only time you’ll ever pay anything is after an application successfully turns into a funded lease. The merchant fee will never exceed 1% of the invoice amount. That’s right...you pay less than you would to accept a credit card!


  • How and when do I get paid?

    You’ll be funded via direct deposit within 24-48 hours after delivery.


  • How do I sign up?

Customer FAQs

  • What do I need to qualify?

    You must have:

    1. 3 months of history with your current employer or current source of income.

    2. Deposited at least $1,000 per month into a checking account that has been opened for 90 days or more.

    3. No NSFs, excessive overdrafts, or negative balances on your current checking account.

  • How much can I be approved for?

    Up to $3,000.

  • How does this program work?

    1. Get approved and shop for your merchandise with a Simple retailer.

    2. Sign your lease agreement with the retailer and make your initial payment.

    3. Schedule a delivery or pickup.

    4. Enjoy your new purchase!


  • What are my purchase options? When will I own my item? How much will this cost me?

    All items are available for purchase within 90 days for a $10 fee. After 90 days, items are subject to your individual lease agreement.

  • What if I change my mind and want to return my purchase?

    Your retailer dictates their return policy. After meeting the minimum terms of your lease agreement, you can return items by contacting Simple to arrange pickup. Please keep your minimum lease terms in mind. Once the lease agreement is signed, you will be expected to fulfill them.


  • Where do I apply?

    Simply visit any one of our awesome retailers and apply in their store or on their website.


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