Consumer Financing at the Point of Sale
Let your customers pay over time while you get paid in full within 48 hours. Simple, transparent financing backed by the strength of U.S. Bank — the same financial institution powering your payment processing through Elavon.
Consumer financing by the numbers
Customers can get pre-approved for up to $25,000 — valid for 15 days for a single transaction.
You receive the full transaction amount within 48 hours. U.S. Bank handles all customer repayment.
Quick mobile application with real-time credit decision. No lengthy paperwork or waiting.
APR range of 0%–24.99% with repayment terms from 3 to 60 months. Transparent, simple terms.
Remove the price barrier — close more sales
When a customer says "I need to think about it," they usually mean "I can't afford it right now." Consumer financing removes that barrier without asking you to wait for your money or reduce your price.
With Avvance embedded at checkout — in-store, online, or over the phone — you give customers a simple way to say yes today while you receive full payment within 48 hours. Higher conversion, larger average tickets, and zero collection risk on your end.
- ✓Increase average order value — customers finance more than they'd pay upfront
- ✓Reduce cart abandonment and "I'll come back later" lost sales
- ✓Reach customers who prefer installments over lump-sum payments
- ✓Zero collection risk — U.S. Bank owns the customer loan, not you
- ✓Free to enroll — no subscription or monthly fees, pay per transaction only
How Avvance Consumer Financing Works
Customer Applies
At checkout — in-store, online, or via invoice link — the customer completes a 1–2 minute application on their phone. Identity, address, and income information only.
Instant Decision
U.S. Bank returns a real-time credit decision with transparent repayment terms displayed. Soft inquiry only — no impact to the customer's credit score.
Sale Completes
Customer confirms their pre-approval using their phone number at checkout. You receive full payment within 48 hours. U.S. Bank handles all customer repayment from there.
Avvance is a U.S. Bank product — the same financial institution powering GoPayhawk's payment processing through Elavon. You're not adding a third-party vendor; you're expanding an existing relationship with one of America's most trusted financial institutions.
Built for High-Ticket Businesses
Consumer financing works best when the purchase price creates hesitation. These industries see the biggest impact.
Home Improvement
Roofing, HVAC, windows, flooring, remodeling — financing closes the gap between "I want it" and "I can afford it today."
Healthcare & Medical
Dental, vision, elective procedures, medical devices — help patients access the care they need without the sticker shock.
Retail & Furniture
Appliances, electronics, furniture, jewelry — give customers flexible payment options right at the register.
Automotive Services
Repairs, tires, detailing, accessories — stop losing jobs because customers can't pay the full amount upfront.
Software & Technology
Subscriptions, one-time implementations, hardware bundles — spread the cost and reduce friction to purchase.
Professional Services
Legal, accounting, coaching, training — let clients retain your services without the cash flow barrier.
Simple to Offer, Easy to Manage
Quick Enrollment, No Subscription Fees
Free to enroll with no monthly charges. You pay only a per-transaction fee when a customer uses financing — no overhead, no risk.
Embedded at Checkout
Financing is offered as a payment option within your existing checkout flow — in-store, online, or via invoice link. No separate system to manage.
Resource Library & Marketing Materials
Access ready-to-use website graphics, social media content, QR codes, posters, and in-store signage to promote financing to your customers.
Zero Collection Risk
Once U.S. Bank approves and funds the transaction, the loan is theirs. You have no exposure to missed payments, defaults, or collections.
Common Questions About Consumer Financing
No. You are not lending money — U.S. Bank is. You receive full payment within 48 hours just like a normal card transaction. There is no loan on your books, no credit exposure, and no collection responsibility.
No. Avvance uses a soft credit inquiry only, which does not affect the customer's credit score. This makes customers much more willing to apply, since there's no downside to checking their options.
The customer simply completes the transaction with another payment method — card, cash, or check. The denial is seamless and private; no one in your store needs to know. You lose nothing by offering financing even when some applicants don't qualify.
Avvance integrates into your existing checkout flow as an additional payment option. GoPayhawk handles enrollment and setup coordination. Since Avvance is a U.S. Bank product — the same financial institution that powers your processing through Elavon — the integration is straightforward.
Ready to offer financing at checkout?
Talk to a GoPayhawk advisor about adding Avvance consumer financing to your checkout. Enrollment is free and setup is quick.
