YBUY proudly maintains the highest approval rates in the industry!


YBUY is the leading provider of lease-purchase payment programs at the point of sale.

YBUY offers the most flexible options for your customer to lease purchase products including 90 days same as cash, no credit check and alternatives for unbanked consumer. Our innovative and proprietary data sourcing, modeling and decisioning speed are unmatched throughout the industry, which give us the ability to underwrite deeper than any competitor. YBUY’s flexibility allows our programs to custom design to your needs as a business, adapting to your clientele and servicing structure.