Har-co Credit Union // Partner Pay

Turn “I Need to Think About It” Into “Let’s Book It.”

Give your customers instant, stress-free point-of-sale financing. You get paid fast, they get local Harford County credit union rates they can actually afford, and big-ticket sticker shock disappears.

Become a PartnerTry the Ticket Booster ↓
✓ Instant Point-of-Sale Approval
$12,400.00 Funded

Project: Whole-Home HVAC & Ductwork

Customer Monthly Payment: $189 / mo
Approval Speed: 42 Seconds
Hidden Merchant Fees: $0.00

Built for Businesses That Build, Fix, & Upgrade.

Whether it’s an emergency repair or a dream backyard, Partner Pay bridges the gap between the estimate and the green light.

01 // Home Comfort

HVAC & Plumbing

Help homeowners say yes to high-efficiency systems and urgent replacements on the spot instead of settling for band-aid repairs.

02 // Remodeling

General Contracting

Stop scaling back kitchen, bath, and roofing quotes. Empower clients to fund the full scope with low monthly payments.

03 // Backyard & Leisure

Pool & Outdoor Installers

Turn high-ticket seasonal consultations into locked-in installation schedules before your competitors even send a follow-up.

04 // Automotive

Auto Repair & Custom Shops

Transmission rebuilds, suspension upgrades, or major service—take the sting out of unexpected shop bills so bays stay moving.

05 // Home Furnishings

Furniture & Mattresses

Watch average ticket sizes climb when shoppers trade upfront price tags for bite-sized monthly payments across the whole room.

06 // Big-Ticket Retail

Specialty Retailers

From commercial-grade turf equipment to home appliances, give buyers the purchasing power to choose your top-tier model.

Big-Bank Speed. Hometown Trust.

Designed to keep your crew moving and your cash flow effortless.

01 // Frictionless

Zero Paperwork Headaches

Your team isn’t in the banking business. Customers scan a QR code or tap a link right from your tablet or invoice, apply in minutes, and get a decision while you’re still on-site.

02 // Cash Flow

Fast, Direct Funding

No chasing checks or waiting weeks for payouts. Once the job is signed off, Har-co funds your business account directly so you can roll onto the next job.

03 // Local Decisions

More “Yeses” for Local Buyers

Big national lenders reject good people with rigid algorithms. As a Harford County credit union, we look at the whole picture—meaning higher approval rates for your customers.

04 // Revenue Growth

Close 30% Bigger Tickets

When a $10,000 quote turns into an easy monthly payment, customers stop cutting corners and start adding high-margin upgrades.

From Estimate to Funded in Three Moves.

No hardware terminals to buy. No clunky software to learn.

STEP 01

Pitch the Payment

Present your quote alongside a low monthly payment option—via QR code in the field, text link, or right at your counter.

STEP 02

2-Minute Mobile Approval

Your customer completes a fast digital application on their phone backed by Har-co Credit Union’s fair, transparent rates.

STEP 03

You Get Paid, They Get Started

Documents are e-signed in seconds, funds hit your account directly, and your crew gets to work without delay.