84% of consumers would prefer buy now, pay later solutions from their existing bank.

So let's make it a part of your banking experience.


A buy now, pay later solution that is faster, more flexible, and powered by you

100% pre-approved applications


Other BNPL solutions decline 30% of applications. Give members certainty on qualified purchases. 

Synced in real time to your banking core


Loan data is processed immediately, depositing money instantly into member accounts.

Smart, automated, and seamlessly integrated


equipifi's decision engine is connected to your existing systems, eliminating manual effort from you.

equipifi is a retail financing solution providing buy now, pay later to your members.

Buy now, pay later (BNPL) solutions have been offering shoppers fast application to payment plans at purchase. Now, members can pre-qualify for BNPL straight from their bank.

equipifi provides seamless white-labeled integrations for banks and financial institutions to offer BNPL on their member platform. Shoppers have instant access to the cash needed to afford the purchases they want, all without disconnecting from their bank.



A seamless mobile based experience powered by you

  • Automatic offers on qualified purchases
  • Simple steps to view and select plan
  • Review and accept BNPL offer within seconds
  • Deposit available instantaneously 

Your member makes a qualifying purchase

  • Receives notification within moments of purchase
  • Immediate access to pre-qualified buy now, pay later offer
  • Prompted to view installment options for purchase


Your member is directed to their personalized buy now, pay later offer

  • Seamlessly transition to your branded offer landing page 
  • Clearly see installment options on pre-generated plans
  • Automated underwriting with no manual input 

Your member reviews and accepts the installment plan in a few simple steps

  • Easy to understand and intuitive to use
  • Plan selection and signature within moments
  • Never leave the mobile experience



Cash immediately deposited into account

  • Installment plan automatically displays in online banking
  • Copy of plan documents are emailed to member
  • Payments are automatically synced with member’s checking account

Goodbye to attrition;
hello to new members

The face of your bank's membership is changing. If you are looking to attract and retain Millennials and Gen Z members, BNPL is the option they're looking for. 

  • A better solution for your members
    Bring back members who are using buy now, pay later solutions not powered by you.
  • Serve every qualified use case
    Stay top of wallet as members shop online and in stores, for expected and unexpected purchases. 
  • Welcoming younger generations
    Millennials and Gen Z are averse to traditional credit products, but embrace buy now, pay later as an alternative.