Simple and Secure.

  The FinWise Retail Lending Program gives your business the ability to offer payment options and financing to your customers. This financial flexibility can set your business apart from competitors. FinWise Retail Lending includes a customized and secure online portal that allows businesses to submit applications, communicate with loan officers and track funding.

Benefits of Retail Lending

FinWise Financing For Your Customer:



Installment Loans
  • Competitive rates*
  • No origination fees
  • No prepayment penalties


0% Interest Loans
  • 3,6,12, and 24 months
  • No recapturing of interest
  • Terms up to 5 years
  • Competitive low rates*

*Loans provided by FinWise Bank on approved credit for a limited time. Minimum loan amounts apply.

0% Interest
– 0% interest repayment terms vary from 3 to 24 months. Borrowers approved for 0% interest loans will pay no interest during the 0% interest period if they repay the total amount borrowed on or before the 0% interest date specified in their Note and Disclosure Statement. A fixed APR will be applied after the 0% interest period to the end of the amortization schedule. Applicable rates are subject to change.

Installment Loans
– Repayment terms vary from 12 to 60 months depending on loan amount on a fixed APR. Rates are subject to change. The first monthly payment will be due 30 days after the loan closes and on the same day of each month thereafter.

Benefits to your Company:

FinWise Retail Lending program provides your business with the tools you need to increase sales. Giving your customers a simple alternative to credit cards and other lines of credit.



No Dealer Fees



No Merchant Fees



No Annual Minimums



Service Nationwide

 FinWise operates out of Sandy, Utah. Our Services are available to dealers and retailers throughout the United States* to better serve customers in your area!

Map of the United States*Some exclusions apply. FinWise is currently unable to serve customers in Montana due to laws and regulatory restrictions.


Getting Started

Getting started with our Retail Lending program is simple and straight forward!

Our Retail Lending Team will provide superior support every step of the way!

Get Started with these 3 simple steps:


1. Complete Merchant Application

E-sign for your convenience.

2. Train Your Team

Live training provided by a FinWise team member.

3. Receive Credentials For Portal

View and manage all applications in our convenient online portal.

Contact Us

Get In Touch

We’re Here To Help

Whether you have questions about financing, getting started, or need assistance managing the portal, the FinWise Retail Team is available to help every step of the way.

Address: 820 East 9400 South, Sandy, UT, 84094

Phone: 801.501.7225

Business Hours: Monday – Friday, 8:30am-6:00pm (MT)

Closed: Saturday & Sunday

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