Refreshingly Simple 2nd Chance Credit Financing Program
For "Less Than Perfect" Credit Customers & Credit Declines

HelloRates 2nd Chance Program helps Businesses in any Industry capture more sales & profits
with options for their "less than perfect" credit & credit declined customers.

HelloRates "2nd Chance Credit" Program Pricing Plans

Simple Flat Rate Pricing with an Outsized Return on Investment (ROI)
Annual Plan
$ 49/Month*

Billed ANNUALLY

BEST VALUE!

Save 27% Per Year Over
The Monthly Pricing Plan!

*No other cost or hidden fees to
use the program

Monthly Plan
$ 67/Month*

Billed MONTHLY

Lowest Out Of Pocket
Cost To Get Started!

Cancel or Upgrade to Annual
Program at Anytime!

*No other cost or hidden fees to
use the program

Watch Demo or Request More Info

Our Partners

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2nd Chance Credit Financing Program Features & Benefits

Program Features

  • No per loan dealer fees and no partner discount fees
  • No financing experience needed or required
  • No minimum time in business
  • No dealer paperwork (it doesn’t get any easier)
  • No customer hand holding, no completion certificates and no paperwork to chase
  • Financing for any product or service
  • World class partner support backed by a team with over 100 years of partner financing experience
  • Get set up and start offering financing in less than 5 minutes-The easiest process in the market

Product Features

  • Offer 100% financing for all customers
  • Offer 0% promotional for all customers
  • Rates as low as 3.99% and loan amounts from $500-$100,000.
  • Soft credit pulls for consumers (No harm to credit or cost to see multiple offers)
  • Programs for all credit ratings and scores (FICO scores 500-850) 60 second loan applications & multiple competing offers
  • Over 75 different products and programs available
  • Fast funding -Get paid in full as fast as 1 business day

Tools for Success & Marketing Support

  • Co-branded vertical specific financing landing page (See Example)
  • Education, training, phone, chat & email support
  • Robust marketing materials and sales tools (See Example)

Program Features

  • No per loan dealer fees and no partner discount fees
  • No financing experience needed or required
  • No minimum time in business
  • No dealer paperwork (it doesn’t get any easier)
  • No customer hand holding, no completion certificates and no paperwork to chase
  • Financing for any product or service
  • World class partner support backed by a team with over 100 years of partner financing experience
  • Get set up and start offering financing in less than 5 minutes-The easiest process in the market

Product Features

  • Offer 100% financing for all customers
  • Offer 0% promotional for all customers
  • Rates as low as 3.99% and loans up tp $50,000+
  • Soft credit pulls for consumers (No harm to credit or cost to see multiple offers)
  • Programs for all credit ratings and scores (FICO scores 500-850) 60 second loan applications & multiple competing offers
  • Over 75 different products and programs available
  • Fast funding -Get paid in full as fast as 1 business day

Tools for Success & Marketing Support

  • Co-branded vertical specific financing landing page (See Example)
  • Education, training, phone, chat & email support
  • Robust marketing materials and sales tools (See Example)
  • BONUS -Forever pricing- Your starting plan wil be fixed forever even
Get Started Now
Watch Demo or Request More Info

10,000

+
Pros in the HelloRates Network

10

+
Average ROI with Customer Financing

30

+
Average Upsell Increase & Opportunity

20

+
Average Lead & Sales Conversion Increase

How it Works for Partners

Offering Financing to your customers is incredibly simple with HelloRates. The super fast and intuitive loan process requires no training or financing expertise from you or your team.

Share your Financing Page

Use the provided links, cards, QR codes and other marketing material to show your customer how easy it is to obtain multiple financing offers.

Submit Loan Request
it takes only 60 seconds

Submit an application with your customer using your custom branded portal in 60 seconds.

See Rates, Payments and Terms Instantly

Most consumers will receive multiple offers with rates, terms and payments and they can compare and choose the best offer for their for their situation. .

You Get Paid ​

Fast funding means proceeds can be available in as soon as 24 hours.

How it Works For Businesses Video

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Watch Demo or Request More Info

HelloRates Key Features

The HelloRates team literally wrote the book on helping small businesses grow their sales and profits through zero dealer fee financing

Outsmart your Competition

Your local competition is already offering financing and it's becoming more important than ever to consumers who are looking to preserve their cash.

Soft Credit Pulls Only

Never any cost or harm to the customer’s credit to see their rates and offers.



No Dealer Fees

Typical financing services charge heavy dealer fees that erode your net profits.



75 Plus Programs

Our platform has over 75 programs for every type of credit.


Multiple Loan offers

The AI loan engine means consumers will get all of the best offers every time.


No Dealer paperwork

The financing process is super simple and requires zero paperwork from the dealer.


Get Started Now
Watch Demo or Request More Info

Customer Financing For Any Product or Service

Home
Improvement

Swimming Pool
and Spa

Recreational
Products

Family and Life
Expenses

Medical Expenses

Veterinary Expenses

Dental Expenses

Automotive Expenses

Travel, Vacation & Cruise

Business

Emergency

Debt Consolidation

Why Choose HelloRates Customer Financing

Why Choose Us

0% Financing
Available

Give your customers access to 0% promotional APR offers, so they can get your project funded quickly and avoid interest payments.

Soft Credit Pulls
Only

Get instantly matched with the best leaders, all without hurting your customers credit scores.

No Dealer Fees

We Wrote the book on zero fee dealer financing and it’s our highest value proposition to you. This leaves you more growth capital and profits in your pocket.

Fast & Easy Process

Get an approval for your job or product in as little as 60 seconds, with money deposited in as quickly as 24 hours. The process is fast and super simple.

Get Started Now
Start Here To Watch Demo or Request More Info

FAQs for Businesses

We’ve made the process super quick and easy for you and your customers. After you fill out the enrollment form online, we will contact you and help you set up your custom Co-Branded Portal which will allow you to offer financing to your customers. We will match your customers with lending options from our large network of the best lenders, offering unsecured loans, 0% cards, and other options based on their needs. Our AI powered loan technology will match your customers with the best option based on their unique situation. The results are the options we’ve determined to give them the best chance of approval success. Your customers will be able to apply for one, two, or all of the options and submit their information on the secure and private lender’s website.
Just send them your Financing Portal Link and they can simply complete the online application within seconds. Once they submit their information, they’ll be immediately matched with the best options available based on their situation.
HelloRates can provide financing for nearly any product or service you can think of. See our page that lists all of the products and services here
We never charge per-loan fees, discount fees, or hidden fees
We do not have any minimum volume requirements. We will never shut off your account for inactivity or minimum loan volume.
We will never ask you for any paperwork from you or your customer. When a customer is approved, they will follow the easy steps to finalize their loan and get their funds directly deposited into their account so that they can pay you by cash or check.
When a customer is approved, they will follow the easy steps to finalize their loan and get their funds directly deposited into their account so that they can pay you by cash or check.
We take consumer and business privacy very seriously, and all of your information is safe and secure in a variety of different ways. One way is by using SSL to establish an encrypted link, so everything you provide remains private. You can review our privacy and security policy in the privacy section of this site.
An unsecured loan, or personal loan, is a loan that is based solely on the borrower’s creditworthiness rather than by any type of collateral. An unsecured loan can be used for nearly any purpose, including home improvements, debt consolidation, travel, medical & dental wedding expenses, and many more.
A secured loan is a loan that is secured by a valuable asset, such as a car or home. The asset is used as collateral for the loan, and if you default, the bank or lender can repossess the car, home, or other asset that is pledged.
HelloRates has partner network programs for all credit types. Scores from 500- 850 are welcome to apply.
Unfortunately, we only offer our program in the US at this time.
Yes, HelloRates has lending partners that work with borrowers with poor to excellent credit. All loan and underwriting decisions are performed and provided by our lending partners.
HelloRates is not a lender and does not pull credit or make credit decisions. HelloRates works with best in class lenders and card providers through our loan portal engine. Most lenders will only pull a soft credit report that will not affect your score. Most credit card providers that can be found through the HelloRates site will pull a credit report in order to make their final underwriting decision.
A soft credit inquiry is an inquiry that occurs when either you, a credit card company, or a lender checks your credit to pre-approve you to offer you credit. Soft inquiries do not appear on your credit report, nor do they impact your credit scores whatsoever.
A hard credit inquiry is an inquiry that occurs when you apply to a bank or lender so they can review your credit report as part of their decision-making process. A hard inquiry does show up on your credit report and will impact your credit score. This type of inquiry appears on your credit report for two years (24 months), however, it will only impact your credit score for the first year (12 months).
HelloRates never charges the consumer any fees to utilize the services. Each lending partner you are matched with determines their own policy on what they charge. We are unable to determine the amount of closing costs or out-of-pocket expenses you may incur; however, if we are able to match you with a lending partner, you can discuss your specific situation with them once you review their loan terms and are in contact.
Of course, please reach out using our contact form, and one of our friendly customer success agents will be happy to help you.
Get Started Now
Watch Demo or Request More Info

Still Have Questions ? Let’s Chat !

Want to work with us but still have questions ? We are more than happy to answer any additional questions you may have. Simply reach out.

Contact Us

Why Businesses Love our Customer Financing Program

Harness the power of 100% financing to grow your business.
Get Started Now

Compare HelloRates to Other Customer Financing Platforms

  • Customer Financing Companies
  • No Product Restrictions
  • No Loan Fees or Discount fees
  • No Loan Paperwork
  • No Completion Certificates/Staged  Funding required
  • Credit Approvals down to 500 Scores
  • No Minimum Loan Volume Requirements
  • Approximate Annual Cost for your Business to Fund 10 loans
  • $588
  • Synchrony
  • $5,000+
  • Wells Fargo
  • $5,000+
  • GreenSky
  • $5,000+
  • Enerbank
  • $5,000+
  • Foundation Finance
  • $5,000+
  • Amerifirst
  • $5,000+
  • Aqua Finance
  • $5,000+
  • CareCredit
  • $5,000+
  • Clear Winner
Disclaimer: The technology comparison chart on this page is for informational purposes only and does not imply any affiliation with or approval by any of the companies listed. We have made every effort to ensure the accuracy of this information at the time of its publication, but we do not guarantee that the information on this chart is correct, current, or complete, and we are not liable for any errors or inaccuracies.

See Why We Are The Fastest Growing Customer Financing Platform in The Industry. Get Started Today!

Get Started Now
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See Your Businesses Profit Opportunity When HelloRates Financing is Added As An Option For First Look Loans & Credit Turndowns

Step 1
Check Your Profit Potential
#
%
$
*Check Results in Table Below
Step 2
Customer Financing Pricing Plan

HelloRates Pro Plan

$49/MONTH*

Perfect for businesses that want to grow their sales & improve their customer loyalty. Businesses that offer customer financing can add significant profits to their bottom line. Try our ROI calculator to see what it can do for your profits.

Step 3
Monthly Yearly

  • When Customer
    Financing is Offered

  • 2.5%

  • 5%

  • 7.5%

  • 10%

  • 20%

  • Additional Revenue

    Additional Revenue Generated when Customer Financing is offered.

  • $11,250
  • $22,500
  • $33,750
  • $45,000
  • $90,000

  • HelloRates Cost

  • ($499)
  • ($499)
  • ($499)
  • ($499)
  • ($499)

  • Net Added Profit for Your Business

  • $10,751
  • $22,501
  • $33,250
  • $44,501
  • $89,501

  • When Customer
    Financing is Offered

  • 2.5%

  • 5%

  • 7.5%

  • 10%

  • 20%

  • Additional Revenue

    Additional Revenue Generated when Customer Financing is offered.

  • $11,250
  • $22,500
  • $33,750
  • $45,000
  • $90,000

  • HelloRates Cost

  • ($588)
  • ($588)
  • ($588)
  • ($588)
  • ($588)

  • Net Added Profit for Your Business

  • $10,751
  • $22,501
  • $33,250
  • $44,501
  • $89,501
Get Started Now
Watch Demo or Request More Info

HelloRates Company Information

HelloRates Legal Information

Consumer Financing & Financial Services

Customer Financing For Your Business

Industries & Categories Served

Enterprise Payment Options & Solutions

HelloRates is on a mission to change the way financial rates are obtained. Our sole focus is to save you time and money by leveraging market leading technology and data science metrics to provide lower rates and a better, faster user experience.

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Copyright © 2024 HelloRates. All Rights Reserved.
Made with 💙 in Charleston, SC

This website does not constitute an offer or solicitation to lend. Annual Percentage Rates (APR), Introductory Rates (Intro), terms, interest rates, amounts, and fee(s) are provided by Trust Tech LLC/ DBA HelloRates.com lending partners. HelloRates.com (the operator of this website) is a technology company not a lender, does not accept applications for credit, does not make loans, and does not make credit decisions. your information on this website does not guarantee that a lending partner will be able to be located to meet your needs or that you will be approved for a loan. The lending partner may perform a credit check or otherwise verify the information you provide. Not all lending providers offer loans up to the advertised amount and not all lending providers can provide you with the loan amount you requested. Loan amounts are determined by the lending partner based on individual creditworthiness. All financial terms of the loan, including annual percentage rate (APR”), fees, charges, and repayment period will be provided to you by the lending partner and may vary by lending partner, state, and your individual creditworthiness. You are NOT required to accept the terms of the loan that a lending partner offers you. If you don’t agree with or don’t like the terms of the loan offered by the lending partner, do not electronically sign the loan documents. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only.

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