Travel financing personalized to your customers, and loyal to your brand

Financing solutions tailored to your acquisition strategies

Integrated with your loyalty program

Dedicated to strengthening your customer relationship

Learn More

The First Pay Later Program Designed to Deepen Customer Relationships for Travel & Experience Brands

Embedded directly into your booking experience with end-to-end branding options.

Financing that starts where interest starts

Pre-approved, personalized pay-over-time offers to reach customers while they're actively planning and help them explore what’s possible.*

First pay-later to strengthen the loyalty ecosystem

ClarityPay connects directly with your loyalty program, so customers earn additional miles and points when they choose to pay over time.

Your choice of branding, ours or yours

Your brand experience goals lead the program, whichever branding path you choose — with the controls to match across the customer journey.

Protecting & growing your  co-brand card program

Personalized eligibility and offers powered by your data signals — growing co-brand enrollments without cannibalization.

Configurable installments.
Bespoke to your unique customer journey.

Full Suite Embedded Financing

BNPL, True 0%, interest based and promotional financing

Flexible Payments,  6 weeks to 36 months

Widest set of financing offers allowing travelers to budget

Highest Approval Amounts, $50–$50K

Across flights, upgrades, ancillaries & packages

Full Spectrum Underwriting Coverage

Super-prime to sub-prime to access more customers

One platform , six constructs to capture & keep customer value

Launch with optimal data and operational goals from Day One and expand program performance with deeper personalization and optimization avenues.

Consumer Financing

Full suite of financing products including BNPL & extended terms.

Small Business Financing

BNPL and financing to serve your small business customers too.

Co-Brand Credit Card

Customize co-brand credit solutions that align with your loyalty goals.

Subscription Enablement

Recurring membership and other subscription-style solutions.

Pre-Approval Marketing

Elevate customer pre-approvals as they browse to shop with confidence.*

Agentic AI Enablement

Support AI-based bookings, care routing, operations, and service.

Embedded in your booking ecosystem, and built to boost the metrics that matter most

HOW WE DELIVER

Designed around the outcomes that move your business forward

YOUR BUSINESS GOAL

HOW CLARITYPAY DELIVERS

1. Increase revenue & yield

Full-spectrum underwriting means more customers qualify — and qualify for more. Personalized offers from $50 to $50,000, upstream pre-approval, and ancillary coverage turn financing into a revenue driver, not a payment add-on.

2. Lower distribution cost

Optimized credit tiering across all five risk bands and balances offer mix and product structure to improve margins — and customers can earn loyalty points on their installment payments. Create a financing program that optimizes conversion, aligns loyalty, and pays for itself. ‍

3. Protect & grow customer loyalty

Keep every customer in your ecosystem — for life. Seamless application, soft credit check, your brand end-to-end. No competitor cross-sell. No data monetization. The only financing solution designed to strengthen your loyalty program, not compete with it.‍

"ClarityPay took the time to really understand our customer journey end-to-end. Their commitment to developing a program that truly delivered on our buyer experience goals is what set this partnership apart.”

Elchonon Shagalov

Chief Commercial Officer • Diamonds International

Tailored for every kind of travel experience

Whether you sell a round-trip flight, a 3-day cruise, or a 10-year vacation club membership, we structure personalized offers to work best for the way your customers want to buy.

Airlines

Driving growth beyond the ticket — ancillary add-ons, upgrades, co-brand, and loyalty. Align Pay Later with your growth and loyalty goals.

Cruise Lines

At sea, every experience is a purchase decision. ClarityPay makes sure your guests can say yes — to the excursion, the upgrade, and the next sail.

Vacation Club & Memberships

Turn one-time guests into lifetime loyalty members — with financing built around your brand and conversion goals.

Tours & Travel Agencies

Help preview what’s possible with pre-approvals and a broad product suite to convert more browsers into buyers.*

Get Started with Us

We look forward to learning more about your business needs and how we can help.

Tailored program proposal

BNPL, installments, revolving: all with your choice of branding

Dedicated credit, easy repurchase, and integrated marketing

Assigned program lead & risk specialists

Thank you for your interest in ClarityPay. A member of our team will follow-up with you.

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Frequently Asked Questions

What is ClarityPay?

ClarityPay helps you pay for considerable expenses over time, while enabling you to purchase the service or products you want today. We enable an easy application process so you can discover the terms you qualify for and empower you to select a plan that works with your budget. We also provide support and assistance to ensure everyone with a ClarityPay account have access to a clear and simple payment experience.

Can I apply for loan or payment plan directly with ClarityPay?

No, you will get access to the ClarityPay application through the business you’re making your purchase with. We work with businesses (service providers, retailers, and other merchants) as a lending technology platform to help their customers, like you, get access to payment plans and other financing offers with an easy, digital application.

How does ClarityPay ensure safe, secure and fair lending practices?

We take extensive precautions to protect your personal and payment information. We use robust, industry-leading procedures and safeguards, including identify verification and encryption technology.

And, every loan with ClarityPay is provided by DR Bank, member FDIC.

For further information you can view our Privacy Policy and all other Truth in Lending disclosures in your account (account.claritypay.com) under “Documents”.

Do you offer joined or co-signed loans?

At this time, ClarityPay only supports loans with the individual that applies, and does not offer joint or cosigned loans

How does ClarityPay verify my identity?

ClarityPay is required to obtain, verify, and record information that verifies each person who opens an account with us. When you apply for a loan, you will be asked to provide information that we can use to identify you, including your name, address, date of birth, and social security number. Applicants may also be asked to provide bank, debit, or credit card information for further identity verification.

How does ClarityPay use account information to verify my identity?

Bank account, debit card, and credit card information can help verify your identity, as that information can be compared to the information that the bank has on record, and it can also be used to initiate small transfers (of ten cents or less) to or from your account. These methods can help validate the authenticity and validity of the accounts, avoid errors, and prevent identify theft.

Is ClarityPay available in all 50 states?

Yes. Loans for the ClarityPay program are available for residents of all 50 states and are provided by DR Bank, member FDIC.