More Buying Power.
Promotional financing provides offers that cater to your needs and keeps more money in your pocket today
- Simple Online Application with Instant Decisioning
- Shop Offers Without Affecting Credit Score
- Receive Instant Approval
- 5-Month Purchase Window to Spend On Your Loan
- No Early Payment Penalty On Any Loans
How It Works
How to Repay Your Loan
Set up Automatic Payments in Minutes
- Clear and Concise Monthly Statements
- No Early Payment Penalty On Any Loans
- Artis Takes Payment Online or by Phone
- Visit artispayments.com or call 855-943-3485
Frequently Asked Questions
Artis Credit offers multiple promotional financing options that can address your budgetary needs. Instead of paying cash, keep more money in your pocket and get interest rates that are typically much lower than a credit card.
Your loan is only valid to pay for products and services offered through the merchant you applied with.
Your contractor will request payments by sending an SMS message to the number you provide in your application. This message will include information on how to accept or reject payments. Once you accept a payment, your loan balance will increase by the amount of the payment.
For your convenience, Artis Credit takes payment online or by phone. Please visit artispayments.com or call 855-943-3485. For security purposes, be prepared to provide your Loan Number and Security PIN to verify your identity and process your payment if paying by phone.
Your first payment will be due no fewer than 30 days from the date the merchant settles your transaction. Subsequent payments are due on that date every month for the duration of your loan term. You'll receive monthly statements as a reminder.
When you fill out an application and view available loan offers, Artis uses a soft pull of credit that will not impact your credit score. If you select an offer to move forward with, then Artis will run a hard pull of credit that may have a small impact on your credit score. You will be notified during the application process when a hard pull of credit is about to take place.
The purchase window is the period of time following approval of your loan that you can spend the funds with the associated merchant, up to an amount equal to the credit limit approved.
If you do not spend anything, you will not owe anything and your loan will be closed at the end of your purchasing window.
The loan funds sit in a secure holding account at a federally insured financial institution. You can spend as little or as much as you want, up to the limit you are approved for. Funds are sent directly to your merchant upon your approval of their payment request.
Artis Credit is an embedded financing platform built by Artis for merchants to provide consumers with digital lending and payment services at their point of need.
Applications for loans submitted through the Artis Credit platform may be funded by one of several of our trusted lenders. Lenders within the Artis Credit platform may include Artis, banks or other lenders. Your lender will be listed on your borrower agreement.
No, your loan through Artis Credit is a personal loan and is not tax deductible.
Artis will never contact you via email asking for your personal information or password. If you are unsure about an email you've received, please contact us.
You have a purchasing window in your borrower agreement during which you can spend up to the credit limit approved with your merchant. Your merchant will send you payment requests via text message that you will approve to send money to the merchant. You will only pay back what you spend.
Using your loan to pay a merchant is your electronice signature on the loan agreement.
A deffered interest loan has a promotional period during which interest accrues, but will be waived if the loan balance is paid in full before the promotional period ends. If the loan is not paid in full during the promotional period, you are responsible for all interest that accrued during the period and the interest that accures after the promotional period throughout the life of the loan.
This allows room for any additional costs incurred during the life of your project. You only pay back the amount of the loan that you actually use, not the amount you are approved for.
Household income should be used for Annual Gross Income on the loan application.