Borrower submits one application at point of sale, using one of the many available submission methods.


Credit decision is provided in seconds and the loan is submitted to the preferred lender.


The lenders offer is extended to borrower at the point of sale and the merchant finalizes the loan details.


Borrower finalizes purchase with the merchant and electronically signs the loan agreement. 


The merchant releses merchindise to the customer and LoanHero settles to the merchant directly, minus any discount.

Frequently Asked Questions:

No. Many of our new clients use PayProGrow as a back approval source to begin. We typically approve up to 30% more loans than the major lenders in the industry. Many times we begin as a secondary finance source and later become the primary lender.

In most cases we can. Larger lenders like GE Capital Bank often require cumbersome financial documentation and loan minimums. We simply require one banking statement, and if you are a home service provider, a copy of your liability insurance policy.


Yes, up to 60 months. Rates from 8.99% to 21.99%.

Yes, three different interest-free plans from 6-24 months.

No. Our Sub-prime program is available in 23 states and does not require paycheck stubs or bank statements. This program is on auto approval and charges the business.
Owners pay a small 2.99% discount rate and can offer clients 90 days Same as Cash terms. If not paid off in 90 days, the loan may be paid in 12 or 24 months, depending on the credit quality of the customer


Yes, rates are available as low as 6.95% on our project loan program.

If you are enrolled in our Flat Rate Program, we do not retain discounts or percentages from the business owner when funding approvals. Pay-outs are 100%.
Many consumer finance companies charge a percentage of the loan funding and/or require a hold back for bad debt. We do not.

Yes, three unsecured with no recourse.

Monies are funded in 72 hours of loan approval and acceptance. We can also request overnight funds on credit approvals and we can pay before job completion.

Approvals are usually issued within 30 seconds. Sometime vendors may need to verify information so it could take as long as 24 hours, depending on the loan amount, client credit score, and debt to income.
Please change all forms to come to: support@payprogrowreseller.com

There is no recourse to the business owner.

Yes, 40 to 65 FICO points less than our competitors for the interest free programs, and even more lenient for our other installment loan programs. That’s why our loan approval rates are higher.

On credit approvals, no down payment is needed. We suggest you secure a down payment, but that is up to the business owner.

On average, we typically approve 38% more than our competitors with our collection of national credit lender options on amounts up to $25,000.

Yes, that is correct.

Speak with a representative today to customize your own consumer finance program – Contact Us.

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