Alternative Financing & Lenders

To finance tanning equipment we recommend that you select the Pay Over Time With Klarna payment option during the order checkout process for possible financing up to 36 months. 

Just select your products on our site, add them to the cart and checkout using the Klarna payment option and available financing options are normally provided instantly. 

If you are seeking payment terms longer than 36 months and are an established business we recommend you coordinate with your bank and apply for a small business loan to purchase equipment.

If you have poor credit or a limited history of credit we suggest considering the lenders below for alternative financing.

How to choose between bad credit loan companies

All lenders are a little different and in how they assess a borrower and the credit options they offer.

Here's a short list of each limited credit or bad-credit lenders and who they are best for:

Upgrade is best for borrowers who:

  • Have fair or bad credit (689 or lower FICO).

  • Want to secure the loan or add a co-borrower to their application.

  • Are consolidating credit cards and other unsecured debts.

  • Loan amounts between $1,000 and $50,000
    Upstart is best for borrowers who:
      • Have at least a 580 FICO score and strong earning potential.

      • Value fast funding and the ability to change the payment due date.

      • Don't need to manage their loan from a mobile app.
      • Loan amounts between $1,000 and $50,000

        LendingClub is best for borrowers who:

        • Have fair credit (FICO of 630 to 689).

        • Want help building credit and managing their budget.

        • Want to consolidate other debts.
        • Loan amounts between $1,000 and $40,000

          OneMain is best for borrowers who:

          • Have fair or bad credit (689 or lower FICO score).

          • Can add collateral or a co-borrower to the application, which can help lower your rate.

          • Need the funds fast.
          • Loan amounts between $1,500 and $20,000 

            Universal Credit is best for borrowers who:

            • Have bad credit (629 or lower FICO) and a high debt-to-income ratio.

            • Are consolidating other high-interest debts.

            • Don’t want to add a co-signer or secure the loan with a vehicle.

            • Don't mind choosing a three or five-year repayment term.
            • Loan amounts between $1,000 and $50.000