Elective Overview
Elective is an industry-leading financing solution that allows customers in the United States and Canada to pay over time for goods and services.
Flexible Payment Options
When you apply for a loan through Elective, we check to see what types of payment options you qualify for. All of our plans are free of late fees and prepayment penalties. What you see is what you pay. When you complete your transaction with Elective, we pay the merchant of record in full on your behalf.
Getting Started
To use Elective, you will need:
- To be the age of majority in your state or province
- A US or Canadian phone number that can receive texts
- A working email address
- A non-prepaid payment method (debit or credit card)
- A valid credit file with Experian (US) or Equifax (Canada)