Semi-secured charge account platform is a win-win for business and consumer

PAWLEYS ISLAND, SC, UNITED STATES, October 25, 2016 /EINPresswire.com/ -- Payzley.com announces the launch of its socially conscious lending solution that gives families with poor credit access to high quality, low cost, super stylish kids’ clothes without needing a credit card.

The 18 million Americans who struggle to get conventional credit rarely get to put fashion as a priority when clothes shopping for their children. They’re typically limited to hand-me-downs, thrift stores, or the “super sale” rack. Behind income, the driving force behind being able to look and feel great about how you dress is access to credit. For this market, though, credit is either not available or is far too expensive.

Payzely.com sells fun and stylish, high quality, low priced kids clothes. Payzely also provides an optional semi-secured charge account for use on the site that is available to anyone, regardless of credit history. “Our belief is that being able to dress well helps kids feel better about themselves and perform better in school.” Says JoAnne Speight, Sr. VP of Production.

For now, the charge accounts are limited to use on Payzely.com. “Typically when consumers are limited to a specific vendor because of credit restrictions, there are significant premiums added to products in addition to high interest rates. We offer the opposite. We believe that a business based on long term relationships with families who want what’s best for their kids can be profitable and morally sound.” A Payzely charge account is low cost (12% APR $9 late fees), is structured to ensure responsible use, and can help rebuild credit.” Cites Josh Ricker, Founder.

Inspiration for the business came from Ricker’s own childhood. “The challenges of growing up poor stick with you. While dressing like everyone else wouldn’t have solved everything, it certainly would have made life and school much easier.”

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Josh Ricker
Payzely Holdings Inc.
7165074411
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