YBUY proudly strives for the highest approval rates in the industry!


YBUY aims to be the leading provider of lease-purchase payment programs at the point of sale.

YBUY offers 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 combined with usage of the latest technologies give us the ability to underwrite with broad depth, maximizing consumer approval rates. YBUY’s flexibility allows our programs to custom design to your needs as a business, adapting to your clientele and servicing structure.