Pacific Credit Group (PCG) is a privately held specialty finance company headquartered in Los Angeles, California. Through state-of-the-art technology, data science and machine learning, PCG provides an alternative credit solution for online shoppers who are underserved by traditional lenders. PCG offers low payments, 90 days same as cash and real-time credit decisioning. We offer a fully integrated solution for mobile and desktop platforms driving incremental sales for ecommerce retailers with one-click checkout. PCG is able to match the appropriate credit plan and spending limit to online shoppers in real time, thereby providing consumers with a streamlined shopping experience. PCG's hosted solution is safe and secure with 256-bit encryption and 24/7 customer support.
We provide an alternative credit solution to online shoppers who are underserved by traditional credit providers.
Easy installation through API integration with 24/7 online merchant support.
We offer financing for a wide range of product lines from consumer electronics, mobile, furniture, appliances, for the home, automotive, musical instruments, home office, sports & fitness to fashion accessories and jewelry.
We offer realtime credit decisioning through our state-of-the-art underwriting platform.
Get paid within 48 hours after shippment with no recourse and low merchant discount.
Low Fixed Payments: Emporium makes shopping easy by eliminating mounting interest charges. Unlike credit cards you will not be charged interest; instead you'll pay a recurring scheduled payment with no additional costs. As an example a $100 item will cost you less than $4 per week. Also pay only the cash price if paid within 90 days.
Convenient: There is no long-term commitment, you have the option to own your product after 12 months or return it at any time after your initial lease term. Everything is handled conveniently online with no paperwork or driving to a retail store. Your product will be shipped directly to your home.
Approval is Quick and Easy: Find out if you qualify in less than 60 seconds. The program is designed for those with new credit or less than perfect credit. The Emporium Account is also a great way to build or rebuild your credit when you make your payments on time.
Make Scheduled Payments: Your payments will automatically be charged to your debit/credit card or deducted from your checking account according to your payment schedule. 50% Early Payoff Discount: You can own your product and pay off your balance whenever you like. Pay off your balance before 90 days and pay only the cash price; after 90 days pay only 50% of your remaining balance.
Quality is at the core of every one of our products, from our Home Luxury Furniture to our patio furniture, office furniture and all our mattress collection. We always ensure our products will stand the test of time in terms of style, structure, and earth-friendliness.