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Get Pre-Approved Now - Free to Apply!

Surepay finances clients through qualified merchants, which means, Surepay will fund the merchant directly for products or services a client (like you) may need. You can call us to get a list of qualified merchants in your area, however, you can get pre-approved by selecting the link below:

FAQs - Retail Installment Contract

Surepay is in the business of giving you the purchasing power you deserve! Our “No Credit Needed” program along with our high approval rate has enabled many people just like you to shop or receive products or services with confidence.

Surepay’s contracts have a term of 12-months with 90-day and 120-day special offers (just make your minimum recurring payment to remain qualified). You can also pay it off early at any point and only pay accrued interest. It is free to apply. If you want to reserve your credit, simply pay the application fee.

Payments are set up on a schedule that works for you, whether weekly, bi-weekly, semi-monthly or monthly. We make it easy by having payments taken directly from your debit card on your scheduled pay dates.

Clients who are auto-approved require no additional documentation. Those who have been conditionally-approved will be approved pending the acceptance of additional documentation and/or verbal verification. These documents may include pay stubs, utility bills, bank statements, etc.

Surepay provides Retail Installment Contracts which do apply finance charges once the client goes beyond 120 days. Please refer to your Contract for all terms and conditions including a Federal Truth-In-Lending statement and Installment Plan/Schedule.

Although the Retail Installment Contract is initially between you and the merchant, the merchant assigns the Contract to Surepay immediately upon execution. This means your payments will be made directly to Surepay through your bank account, debit or credit card, not to the merchant.

Surepay’s client support team is always here to answer any of your questions!  Our friendly agents are available from 8 am to 8 pm Monday through Friday and 10:00 am to 4:00 pm Saturday (MST). Just dial 801-449-9399. We can also be reached 24/7/365 at

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