Elective is a payment solution that gives you the freedom to learn now and pay later - with no interest and added fees!
When you place an order through Elective, our unique approvals system reviews your account to determine what sort of repayment plan we can offer. With Elective, you can spread the cost of a course into equal installments over 3, 6, 9, or 12 months. No interest, no up-front or hidden fees!
When your order is placed, Elective pays the merchant in-full for the order immediately - so the merchant has their funds and is able to process your order just like if you had paid them in full with a credit card!
What's the catch?
There's no catch. We don't charge interest or any additional fees to customers. We work with the merchant to provide this as a service for them. It's a win-win-win!
If that all sounds great to you (and we hope it does), there are a few requirements to get started shopping with Elective:
Be the age of majority in your state or province
Have a US or Canadian phone number that can receive texts
Have a working email address
Have a non-prepaid payment method available
For shoppers in the US and Canada, this can be a debit card or a credit card