Consumer Finance.
You Don't Have To Turn Down Customers Anymore!

Finally a Non- Credit based Consumer Financing. 
Finally a business solution that puts you at an advantage over the competition

Contact Information

14 NE 1 Avenue  Suite 214
Miami, FL 33132
Tel: 305-224-1000

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    Consumer finance provides merchants the ability to offer their customers, a “3, 6 or 12-Month Payment Plan with No Credit Needed".

    With over 100 years of combined partner experience in sales, marketing and financial services Merchant Services LTD provides the key to your success. We specialize in customized portfolios, whether you are a small family-owned business, Fortune 500 company or franchise, in addition to your corporate government clients. 


  • NO Credit Check on customers
  • Up to 12 month payment options
  • Get paid in full UP FRONT
  • Finance Fees paid by Customer
  • Huge up selling opportunity
  • No recourse or risk to merchant


60% of the American Public have no credit, bad credit, or are simply maxed out. Don’t let that stop you from making a sale. Turn those lost sales into cash in your bank.
Give Financing for your customers that would allow them to split the purchase or service into small monthly payments.

Automotive Repair / Tires Sales
 • Auto Body
 • Brakes
 • Tires, Rims,
 • Transmission repair
 • Oil Change & Tune ups
 • Auto Electronics
 • Anything associated with a
   New Car Dealer including
    their Used Car Dealership

 Home Improvement
 • Carpeting / Flooring / Tile
 • Kitchen & Bath
 • Plumbing / Heat/AC / Electrical
 • Roofing
 • Painting
 • Draperies
 • Landscaping
 • Home exercise equipment
Home Purchases
 • Appliances & TV
 • Furniture
 • Bedding / Mattress purchase
 • All homeowner's needs 
 Any Emergency Situation
 • Medical Doctor/Surgeon
 • Dentist
 • Veterinarians
 • Funeral Homes
 • Other emergency situations

 Professional Services

 • Lawyers
 • CPA’s

Computer & Electronics

 • Purchase
 • Repair 
 Other Approved Merchants
 • Sporting Goods & associated products
 • Water Ski supplies
 • Snow Board / Ski supplies
 • Guns & Ammo
 • Tattoo Parlors

With MyChoice customer financing option the question of, how do I offer credit to my customers at no risk to me? is finally answered. We all know a neighbor or family member that has been affected by the recent financial downturn. We have all seen the banking industry tighten their belts on debt and offering credit. As business owners we have to change with the environment or get left behind. For example, businesses didn’t always accept credit cards but the financial environment along with the demand from customers required businesses to accept credit cards as a form of payment or lose our business to a competitor who does accept credit cards. It allowed the customer to make small payments each month on their card. As credit has dried up, many customers have not been able to utilize credit cards and are looking for alternatives like someone who is offering financing. Ask yourself, with all the changes that have taken place in financial America, what sets me apart from my competition? Offering financing to customers is a great way to attract business and be different from your competitors. MyChoice can set you up with customer financing programs that fit your business and your customer’s needs. Your customer will have the luxury of being able to make payments that fit their needs while you are able to get your money up front for the product or service rendered, not to mention building your client base and growing your sales and your company.


MyChoice short term customer financing programs are not underwritten like a conventional loan. We look at the customer’s ability to re-pay the loan not what their credit score looks like. We have found, in the current credit environment that many consumers may have a poor credit score but still have the ability to pay. We can approve 80-90% of your customers that would be turned down by traditional customer finance companies. Fill out the form to the right to have a Finance specialist call you and go over your options as a business owner and answer the question, how can I offer credit to my customers.
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