What is Elective?

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Elective has built the industry's first "Learn Now, Pay Later" solution designed to help online education businesses, course creators, and coaches sell more effectively.

We give students the financial freedom to pay over 3, 6, 9, or 12 monthly installments rather than paying for a program entirely upfront. This increases their purchasing power and gives them more control and flexibility while gaining immediate access to their purchase. On top of that, we do not charge students any fees - that means no interest, no late fees, and no penalties of any kind.


For businesses, we offer a highly effective commerce solution that empowers them to sell their programs more efficiently, optimize their customer acquisition strategies, and drive incremental sales. In exchange for facilitating transactions, Elective pays businesses upfront in full minus a transaction fee depending on the payment plan that is selected. No more waiting for funds to come in over time or dealing with failed payments, Elective bears the financial risk!

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