Fixed payments. Fixed end date. A cost you can see up front.
Small installment plans funded directly by eBurst Payments — for personal purchases, business services and phones. Every plan is capped at 18% APR including fees, with no prepayment penalty.
Choose the plan that matches what you’re paying for.
Terms below are current program ranges. Your actual amount, APR and schedule are set when you’re approved, and shown in full before you sign.
Business Payment Plan
Spread the cost of a website, software, marketing or professional service your business is buying. We pay your provider; you pay us on a fixed schedule.
Personal Payment Plan
A small fixed-payment plan for a personal purchase or service from a provider you choose — with no surprises.
Phone Financing
Take home a new or refurbished phone from a partner repair shop and pay it off in fixed monthly payments.
Your bank history matters more than your credit score.
We focus on whether a payment fits your real cash flow. With your permission, Plaid shares read-only bank data so we can verify:
- Income and how regularly it arrives
- Average and lowest balances over the last 90 days
- Overdraft or insufficient-funds activity
- That the account belongs to you
- Whether the new payment is affordable compared to your income
What you’ll always get
- A Truth-in-Lending disclosure (consumer plans) or Florida commercial financing disclosure (business plans) before you sign
- Every payment date and amount in writing
- No prepayment penalty — pay off early and save interest
- A written reason if we can’t approve you, as required by the Equal Credit Opportunity Act
- An online account to see your balance, pay, and download your agreement
We don’t offer payday loans, title loans, balloon payments or revolving credit lines.
Financing questions
Who is the lender?
eBurst Payments, a trade name of eBurst Services Inc, a Florida corporation. We fund plans with our own capital — there is no outside bank on your plan.
What is the maximum APR?
18%. Any origination fee is included when we calculate the APR, so the rate you see is the full cost of credit expressed as a yearly rate.
Do you run a hard credit pull?
No. Our decisions are based on verified bank information. If we ever add an optional credit check to a program, we will ask for your permission first and tell you which bureau or provider is used.
Who can apply?
Applicants must be at least 18 and live in Florida for personal and phone plans. Business payment plans are available to businesses operating in Florida.
Are there late fees?
Any late charge that applies to your plan is printed in your agreement before you sign. If your agreement doesn’t list one, there isn’t one.
How do you send the money?
Approved funds are currently sent by Zelle, wire transfer and PayPal only — paid directly to your provider or partner shop on your behalf. Every transfer comes with a confirmation number you can verify at our verification page.
Can I pay off early?
Yes, anytime, with no penalty. Interest is calculated on your outstanding balance, so paying early lowers what you pay overall.