Application
Click here to start your application
Create an account, apply online in minutes and monitor your credit line application from our intuitive dashboard.
Applying for Arta Pay includes a soft credit inquiry which won’t affect your credit score.
Most applications are actioned in real time. We may require more information and usually make a decision within 2 business days.
There are no setup or account maintenance fees. There is a finance charge per purchase.
For each purchase, a flat finance charge is payable with each monthly payment. The flat charge is calculated as 12.5% of the financed amount. The financed amount is the invoice price less the deposit paid, so you can reduce the finance charge by paying a higher deposit. You can pay off your balance early at any time with no penalty and no future monthly finance charges.
Arta Pay accepts payment via ACH, credit card, or debit card. Should you choose to pay by credit or debit card there is a 3% surcharge to cover card fees.
What will I need to provide in my application?
You will be asked some standard financial questions. As a responsible provider of credit we want to ensure you can comfortably manage your repayment obligations. We want to help support your collecting journey over many years.
- We will ask questions around your income, assets, and occupation.
- With your permission, we will access your credit score from the credit bureau to make an informed credit assessment.
- We will do an ID verification with selfie to ensure it’s really you (you will need photo ID).
To be eligible to apply for Arta Pay you will need to
• Be an individual applying in your own name
• Be a US citizen or resident of appropriate age
• Have an annual income of at least $40,000 (from all sources, including investments)
• Hold a current passport, driver’s licence or other approved photo ID
• Have a valid SSN or ITIN
• A mobile phone and an email address