Grow your customer base and sales with flexible financing - including 0% APR options

Give customers a flexible way to pay over time - while you get paid upfront. Avvance supports both Fixed 0% APR and Promotional Interest options with transparent pricing and no deferred interest.

 

Key benefits:

  • Attract more customers
  • Convert more sales
  • Get paid upfront
  • Transparent pricing with no deferred interest

 

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For illustrative purposes only

Why offer Avvance's flexible financing - including 0% APR - options?

More customers engage with financing

over 3.5x

more applications initiated*

More customers say "yes"

up to 32%

more conversions*

A smarter alternative to cutting prices

 

Drive growth without price discounts

 

*Performance results based on internal 2025 Avvance data

Two ways to start offering —

1.  Fixed 0% APR Financing:

  • 0% APR for the full loan term
  • Predictable monthly payments shown upfront

 

2.  Promotional Interest Financing:

  • No interest when the balance is paid in full before the promotional period ends
  • Interest is charged only on any remaining balance after the promotional period
  • No deferred or retroactive interest
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Benefits for Merchants

  • Get paid upfront while customers pay over time
  • Drive higher conversion without discounting or margin erosion
  • Easily turn financing options on or off as your business needs change

Once enabled, Fixed 0% APR and Promotional Interest options must remain active for at least 24 hours before they can be turned off or removed.

Benefits for Customers

  • Flexible financing - including 0% APR - options
  • Clear transparent terms with no surprises
  • Predicatable monthly payments displayed upfront
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How to enable:

Existing Avvance Merchants: Enable flexible financing directly in the merchant portal.

Log-in-reference

 

Log-in to your Portal

 

Log-in to the Avvance Merchant Portal and navigate to "Manage MyAvvance."

 

 

Review your loan options and pricing

Add flexible financing options, like Fixed 0% APR and Promotional Interest products, into your Avvance package.

 

 

Promote flexible financing options to your customers

Download ready-to-use marketing assets to help your customers understand your available financing options.

 

 

 

New Merchants: Apply to become an Avvance merchant to offer point-of-sale financing, with flexible options like Fixed 0% APR and Promotional Interest products.

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Marketing materials to promote flexible financing at your business
  • Consumer flyers
  • More coming soon...

 

Download

Turn flexible financing - including 0% APR options - into your next growth lever

 

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Frequently asked questions

Yes. Avvance's Fixed 0% APR provides customers with 0% APR for the full length of the loan term.

With Promotional Interest, customers pay no interest if the balance is paid in full during the promotional period. Interest is charged only on any remaining balance after the promotional period.

Fixed 0% APR product ensures 0% APR applies for the full term for the customer. With promotional interest, customers pay no interest if the balance is paid in full during the promotional period. Interest is charged only on any remaining balance after the promotional period.

Not all customers qualify. Availability of Fixed 0% APR and Promotional Interest loan options depends on merchant participation and customer eligibility.

Existing merchants can enable Fixed 0% APR and Promotional Interest loan options in the portal. New merchants must apply for Avvance first.

See all FAQs

For example, a $5,000 purchase might cost $106.21/month over 60 months at 9.99% APR.

Annual Percentage Rates (APR) range from 0% to 24.99%. Not all rates are available for all merchants. 0% APR loan options, including promotions, may be available depending on merchant participation and customer qualification. All rates are subject to an eligibility check and approval. Maximum loan amounts and available loan options provided by U.S. Bank depend on your credit score and purchase amount. Loan options with promotion rates will have a higher cost if the loan is held until maturity. Products offered by U.S. Bank National Association. Member FDIC.

https://avvance.usbank.com/flex-partner-disclosure-pages/marketing-disclosures.html