Your customers pay over time. You earn the interest.
Ladderpay runs the credit checks, recommends terms matched to each customer's risk, and collects every payment. You set the plan. You keep the yield.
Both sides climb.
Turn payment plans into a revenue line
- Earn the interest on every plan — it's your yield, not a bank's
- Close sales that walk when the only option is a credit card
- You set the terms; Ladderpay underwrites, collects, and remits
Start now, pay one rung at a time
- Get the license, the remodel, the training today
- Fixed monthly payments with a real end date — no revolving debt
- Terms shaped to you, not 24% one-size-fits-all card APR
See what you'd earn.
Standard amortization. Ladderpay recommends the rate and term for each customer — these sliders show the economics at your chosen defaults.
Three steps. Then it runs itself.
Set your terms
You decide the tenor, rate, and down payment. Ladderpay recommends terms matched to each customer's risk profile — you approve with one click.
We underwrite
Soft credit pull, creditworthiness scoring, and compliant plan documents in minutes. No hit to your customer's credit for applying.
We collect, you earn
Ladderpay autocollects every payment and remits to your account. The interest is yours — not a bank's, not a BNPL provider's.
Stop sending your margin to a bank.
Offer payment plans on your terms in weeks, not quarters. Ladderpay handles the credit, the compliance, and the collections. You handle the growth.
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