You can apply in three simple ways:

Click on the Apply Now button above.  If you are a new customer you will need to create an account so that we can track your loan application at Gage.  Once you create an account you will be directed to the 50|50 Pay site to start a loan application.  If you are a returning customer, you can login into your account and go to the 50|50Pay Applications under My Account and click on the create a new one or Manage My Account link, where you will be directed to the 50|50 Pay website.

You can also start an application by creating a new account by clicking on the My Account link in the top menu.  After creating an account you will go to the 50|50Pay Applications under My Account and click on the create a new one or Manage My Account link, where you will be directed to the 50|50 Pay website to start an application.

The last way to apply is through the easy checkout process.  Once you reach ‘Payment Step 4’, before entering any credit card details click the link to start a new application.

Yes!  Whether you have poor credit from bankruptcy, no credit or bad credit scores, 50|50 Pay will take a wholistic approach and evaluate consumers on a number of different criteria in order to make a credit decision.  50|50 Pay does not turn away individuals simply because they have bad or no credit.

For most of its borrowers, 50|50 Pay offers 0% APR, $0 down, 12 month term loans that are payable in equal installments.  There are no application fees, late fees or prepayment fees. 

No!  50|50 Pay currently offers 0% APR financing to all of its borrowers.

Yes!  50 |50 Pay offers 100% financing to most of its borrowers. 

No!  For most of our borrowers, we do not require a down payment at all.  In other words, we will finance 100% of your purchase price. 

50|50 Pay will need to verify you identify, your income and your banking information.  You will need to provide a valid Driver’s License or ID, your most recent paystub, and most recent 30 day bank statement.  The 50|50 Pay online application process is quick, easy and secure.  You can upload documents or send pictures directly from your phone.  50|50 Pay takes online security seriously.  All personal and sensitive data is encrypted using 128-bit SSL encryption.  Additionally, the 50|50 Pay website is monitored by Verisign, the highest level of online site security. 

No!  If you get approved for a loan then you be prompted to sign your loan documents which will complete your checkout process with Gage.

If you return your order within Gage’s 30 day return policy your loan will be cancelled and any payments you made will be returned to you.

Approved applications expire after 21 days. If your application for credit expires before you use it, you can apply again.