Give customers what they really want.

Raise your sales, Average Order Value (AOV) and brand loyalty with a customized financing solution from Citizens Pay.

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Strategic partnership

We partner with the world’s leading brands to build innovative financing programs based on business goals. We specialize in Consumer Electronics, Travel & Hospitality, Home Improvement, Remodeling and Fitness.

How it works for retailers

Generate awareness

Customized financing programs to attract and engage customers with shopping experiences that produce a higher AOV.

Streamlined process

Upon quick approval, customer receives a line of credit to easily make repeat purchases.

Payments simplified

Merchant is paid directly from Citizens Pay.

Risk-proof

Citizens Pay assumes all repayment and fraud risk while providing best-in-class servicing.

What we can do for your business

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Customizable

Innovative subscription bundles, flexible financing terms, trade-in programs, and a streamlined, tailored experience.

Omni-channel platform

Delivered with a robust digital experience that works seamlessly across all customer sales channels.

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Strategic partnership

We show up for customers exactly where they need it. Through collaboration, we offer solutions to solve business challenges and customer needs.

Leading lender

Top national lender with 200 years of experience and the expertise to navigate regulatory guidelines for responsible lending.

How Citizens Pay works for customers.

With customized and omni-channel financing, Citizens Pay empowers customers to buy what they need when they need it then pay over time.
Discover Retail Features

Discover Custom Solutions We’ve Created for Leading Brands

  • Citizens Pay and Microsoft customized a program for Xbox customers creating long-term subscription revenue and brand loyalty—bringing gaming to the next level with Xbox All Access.

    Find Out How

    XBOX All Access logo
  • Whether our members are shopping for a new TV, refrigerator or bedroom set, we’re offering them more flexibility to purchase what they need with Citizens Pay.

    Discover Retail Partners

    BJ's Wholesale Logo

    BJ's Wholesale

  • Citizens has been a true partner in the development and implementation of the Xbox All Access program. Their ability to deliver integrated  financing as part of the offer helped create a value proposition that appeals to consumers and retailers alike. Citizens’ flexible platform allowed us to launch at six major U.S. retailers in one year. We couldn’t have done that with any other lender.

    Discover Retail Partners

    Microsoft Logo

    Global Program Manager

 

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