Pre-Purchase
Real-time funds before checkout
Pre-Purchase BNPL
Don't let everyday expenses break the budget
Instant funds, embedded into your banking experience.
What is Plan Your Purchase?
Embed clarity and confidence into every purchase
Consumers want to know if pay-over-time is available before making purchases. Confidence starts with financial institutions who can say 'yes' long before they reach checkout.
Plan Your Purchase shows consumers what’s possible for their budget given their real-time purchasing power, and lets them tap into those extra funds immediately.
See purchasing power
Show what consumers can afford based on real-time financial position.
Access funds instantly
Allow consumers to receive extra cash fast by digitally accepting pre-qualified offers.
Pay over time
Set up repayment terms for installment loans through automated workflows.
Show what their budget can do
Not a static limit. A dynamic reserve. Plan Your Purchase shows consumers a real-time pool of funds built around their financial position. That means purchasing power that moves with them, always current, always personal.
Higher adoption. Deeper relationships.
Pre-purchase is where decisions are made. With broader appeal and larger loan sizes, Plan Your Purchase reaches further than any traditional lending product could, powered by a digital experience that extends your lending team without expanding payroll.
“The traction we were getting was unbelievable. We've got to give consumers a reason to want to bank with us. equipifi has made it very easy to compete in a very tough market.”
Pierre Cardenas
CEO of Capitol Credit Union
How it Works
Accuracy with cash flow underwriting
Plan Your Purchase gives consumers not just a snapshot of what they have, but a clear picture of what their budget can actually become. equipifi’s platform uses real-time cash flow to understand what consumers can afford, so that all eligible consumers receive flexible payment offers that suit their needs.
Embedded installment lending
The moment a consumer wants to use their purchasing power, the answer is already there. An embedded installment lending workflow makes it possible for consumers to decide how they want to pay over time in minutes as they accept their loan.
Real control over cash flow
The result is access to funds in moments, and cash infusion that is available for just-in-time needs. It's real control over cash flow, real confidence at the point of purchase, and a budget that works as hard as they do.
Designed to say “yes”
Remove application and rejection from the lending process. Preset your own limits and parameters on equipifi’s platform to determine eligibility for Plan Your Purchase. All offers are pre-qualified, and are only visible to those who have them.
- Engagement
- Retention
- Growth
Connect with one. Unlock them all.
equipifi’s flexible payments platform is priced based on usage after initial integration.
Pre-Purchase BNPL serves one of many use cases on the entire purchase-to-payment journey. Once connected to Plan Your Purchase, you open the door to a full suite of flexible payment products operating on the same integration, so you can easily meet consumers at every stage of their financial journey.
