EasyPay Finance
EasyPay Finance is a Carlsbad, California-based consumer installment financing provider (a DBA of Duvera Billing Services, LLC) that partners with thousands of retailers across 19 U.S. states to offer credit-considered loans up to $5,000 for auto repairs, furniture, tires, and electronics to non-prime consumers.
- Company typePrivate
- Founded2001
- HeadquartersCarlsbad, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What EasyPay Finance does
EasyPay Finance is a Carlsbad, California-based consumer financing provider operating as a trade name (DBA) of Duvera Billing Services, LLC, with an additional operating subsidiary, EasyPay Leasing, LLC. The company facilitates credit sales through Merchant Retail Installment Contracts at thousands of participating retail locations across 19 U.S. states, enabling consumers to finance purchases of auto repairs, furniture, tires, and electronics up to $5,000. Its core value proposition targets non-prime borrowers with a "No Perfect Credit Required" positioning, providing access to financing that traditional lenders may decline.
The core technology is a digital financing platform supporting online application processing, point-of-sale integration with merchants, and a customer-facing store locator tool (findastore.easypayfinance.com). Product features include a 90-Day Finance Charge Cap Promotion, Early Purchase Options for accelerated buyout, and an SMS communications program operated through Duvera Billing Services. The company holds NMLS licensing (ID 1103111) and operates licensed lending activities on a state-by-state basis, including California Retail Installment Contract facilitation.
EasyPay generates revenue primarily through transaction fees and interest on installment contracts, with a take-rate model applied to each financed purchase at point-of-sale. Distribution combines direct-to-consumer online applications with a channel-partner model through thousands of participating retail merchants. Marketing emphasizes fast decisions, flexible payment solutions, and accessibility to consumers regardless of credit history. The company is privately held, with no disclosed venture or private equity ownership, and operates with a headcount in the 51-100 range under CEO Mary Jones.
EasyPay Finance firmographics
Firmographics- Name
- EasyPay Finance
- Legal name
- Duvera Billing Services, LLC
- Website
- https://easypayfinance.com
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- EasyPay Finance is a Carlsbad, California-based consumer installment financing provider (a DBA of Duvera Billing Services, LLC) that partners with thousands of retailers across 19 U.S. states to offer credit-considered loans up to $5,000 for auto repairs, furniture, tires, and electronics to non-prime consumers.
- Ownership category
- akta.pro rank
EasyPay Finance industry classification
Industry- Product category
- Consumer Installment Financing
- NAICS
- Sales Financing (52222), Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Third-Party POS Installment Financing Platforms (FSAKAFAB)
- akta.pro secondary industries
- Omnichannel POS Financing (Unified Online + In-Store) (FSAKAFAE), Merchant-Branded Installment Financing (Retailer Private-Label) (FSAKAFAA)
Keywords
Where EasyPay Finance is headquartered
LocationHeadquarters
- HQ city
- Carlsbad
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
EasyPay Finance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Retail Installment Financing: EasyPay Finance facilitates Retail Installment Contracts through participating merchants. The company earns revenue through interest and fees charged on installment loans used to finance purchases of auto repairs, furniture, tires, electronics, and other products. Customers make payments over time through the financing program.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Variable financing based on credit assessment |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
EasyPay Finance product offering
Product offeringCore offering
EasyPay Finance is a consumer installment financing service that facilitates Retail Installment Contracts through participating merchants nationwide. Customers can apply online or in-store to finance purchases of auto repairs, furniture, tires, and electronics up to $5,000, with flexible payment terms and approvals that consider factors beyond traditional credit scores. The company also operates a related leasing offering under EasyPay Leasing, LLC, and services customers in 19 U.S. states.
Product overview
EasyPay Finance is a consumer financing platform offering two core products: EasyPay Finance (installment financing) and EasyPay Leasing. The company facilitates Credit Sales through Merchant Retail Installment Contracts, enabling customers to finance purchases up to $5,000 at participating retailers nationwide. The platform offers flexible payment solutions including a 90-Day FCCP promotional program and Early Purchase Options. Services are available in 19 states including AK, AZ, CA, DE, ID, KS, KY, MO, ND, NH, NM, NV, OR, PA, SD, UT, VA, WA, and WI.
Differentiator
Problem solved
Functional benefit
Products and services
- EasyPay Finance Installment Financing
Companies that use EasyPay Finance
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles3 records
EasyPay Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
EasyPay Finance partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Duvera Billing Services, LLCcoreDuvera Billing Services, LLC (dba EasyPay Finance) is the operating entity behind the EasyPay Finance brand. This entity handles billing services, SMS communications, and is registered as NMLS ID 1103111. The company also operates EasyPay Leasing, LLC as a related entity.
Scale indicators3 records
Recent moves1 record
Expansion highlights5 records
EasyPay Finance competitors and assessment
Company assessmentBroad incumbents
- GreenSky: GreenSky, a Goldman Sachs-owned POS lender, offers installment financing primarily for home improvement, healthcare, and consumer durables through a merchant network. While its core focus is different (home improvement), its POS installment model and merchant-led GTM overlap with EasyPay's structure.
- Bread Financial: Bread Financial (formerly Alliance Data) provides private-label credit cards and installment lending for retail partners across apparel, electronics, furniture, and home goods. Its branded and white-label POS financing products compete directly with EasyPay at participating retailers.
- OneMain Financial: OneMain Financial is a large non-prime-focused consumer lender offering personal installment loans through a national branch network and online channels. While not strictly a POS lender, it serves the same non-prime borrower segment with similar small-ticket installment credit and competes for the same end customers.
- Synchrony Financial: Synchrony is a major private-label credit card issuer and POS financing provider for retailers across furniture, electronics, tires, and auto-related categories. Its scale, retailer partnerships, and broader product portfolio make it a broad incumbent competing for the same merchant relationships EasyPay serves.
Emerging players
- Sunbit: Sunbit provides point-of-sale financing for non-prime consumers across auto repair, dental, veterinary, and home services. Its focus on service-based categories like auto repair directly overlaps with EasyPay's strongest vertical, and its technology-led underwriting targets the same underserved borrower segment.
Direct peers
- Snap Finance: Snap Finance provides lease-to-own and installment financing at the point of sale for non-prime and underbanked consumers, serving categories such as furniture, mattresses, tires, auto repair, and electronics through a national merchant network. It is the closest direct competitor to EasyPay Finance in both target borrower and product mix.
- Klarna: Klarna provides buy-now-pay-later and installment financing at checkout for online and in-store retail, with an expanding focus on the US market and longer-term financing products. Its Pay-in-Long-Term and in-store partnerships put it in direct competition with EasyPay for both merchant integrations and borrowers.
- Progressive Leasing: Progressive Leasing, a wholly owned subsidiary of PROG Holdings, is the largest US virtual lease-to-own provider, offering leases to non-prime consumers at retailers across furniture, appliances, tires, and electronics. Its scale and product set are directly comparable to EasyPay Finance and EasyPay Leasing.
- Acima Leasing (now part of LeaseVille): Acima provides lease-to-own financing solutions at the point of sale to non-prime consumers through a national merchant network covering furniture, tires, electronics, and home goods. Its customer profile, ticket sizes, and merchant-led GTM mirror EasyPay Finance's core model.
- Affirm: Affirm offers point-of-sale installment lending for online and in-store purchases across categories including electronics, furniture, and auto-related services. While Affirm's primary focus is prime borrowers, its expanding merchant network and broader capital base make it a direct competitive threat in overlapping categories.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
EasyPay Finance social profiles
Digital presenceEasyPay Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
EasyPay Finance leadership team
Management profileNumber of profiles
Profiles1 record
EasyPay Finance subsidiaries and ownership
Company hierarchySubsidiaries1 record
EasyPay Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EasyPay Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about EasyPay Finance
What does EasyPay Finance do?
EasyPay Finance is a consumer installment financing service that facilitates Retail Installment Contracts through participating merchants nationwide. Customers can apply online or in-store to finance purchases of auto repairs, furniture, tires, and electronics up to $5,000, with flexible payment terms and approvals that consider factors beyond traditional credit scores. The company also operates a related leasing offering under EasyPay Leasing, LLC, and services customers in 19 U.S. states.
Is EasyPay Finance a public or private company?
EasyPay Finance is a private company. It is classified as unknown and is currently operating.
When was EasyPay Finance founded?
EasyPay Finance was founded in 2001. It employs 51 to 100 people.
Where is EasyPay Finance based?
EasyPay Finance is headquartered in Carlsbad, United States, in the North America region.
How does EasyPay Finance make money?
One revenue line is on record: retail Installment Financing.
Who are EasyPay Finance's main competitors?
Broad incumbents on record are GreenSky, Bread Financial, OneMain Financial and Synchrony Financial. Sunbit is listed as an emerging player. Direct peers are Snap Finance, Klarna, Progressive Leasing, Acima Leasing (now part of LeaseVille) and Affirm.
Does EasyPay Finance have an API?
No public API is recorded for EasyPay Finance.
What industry is EasyPay Finance in?
EasyPay Finance's product category is Consumer Installment Financing. Its primary akta.pro industry code is FSAKAFAB, Third-Party POS Installment Financing Platforms, with a secondary code of FSAKAFAE, Omnichannel POS Financing (Unified Online + In-Store). Its NAICS code is 52222 and its SIC code is 6141.