Customer center.
Make a payment, log in to your account, or start an application if a merchant sent you here. If you need anything else, call us and you’ll reach our team.
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View your balance, payment history, and due dates.
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A merchant sent you? Apply in a few minutes and get a decision the same day.
Start an applicationQuestions & disputes
Call (949) 207-9323, Mon–Fri, 9am–5pm PST, email us, or write to our Henderson, Nevada office.
Contact usYour plan at a glance
The numbers in your contract.
These come from our current retail installment contract. Your rate and payment schedule are set out in the contract you signed, and the signed contract always controls.
180-day promotional option. Interest accrues from the start, as it does on any plan. If you pay the contract in full within 180 days, the interest you paid is rebated, as long as every minimum payment is made on time, no late or returned-payment fee is charged, and you let us know before your final payment.
- First paymentAfter your purchase
- 3–7 wks
- Prepayment penaltyPay off any time
- None
- Late chargeIf a payment is 10 or more days late
- $15
- Returned paymentIf a payment is returned unpaid
- $25
- InterestSimple interest, 365-day year, at your contract rate
- Simple
Payment questions
Answers for customers.
Still have a question? Call (949) 207-9323 or email contact@modernfinancial.com. Our team is available Mon–Fri, 9am–5pm PST.
How do I make a payment?
Pay online any time through our payment portal. Questions? Call (949) 207-9323, Mon–Fri, 9am–5pm PST.
When is my first payment due?
Your first payment is due 3–7 weeks after your purchase. The exact due date is in your contract.
Can I pay off my plan early?
Yes. You can prepay the full amount at any time with no prepayment penalty.
How does the 180-day promotional option work?
Interest accrues from the start, as it does on any plan. If you pay the contract in full within 180 days, the interest you paid is rebated, as long as every minimum payment is made on time, no late or returned-payment fee is charged, and you let us know before your final payment.
What fees could I be charged?
Under the current contract, the application fee is $0. A $15 late charge may apply if a payment is 10 or more days late, and a $25 charge may apply if a payment is returned unpaid.
How is interest calculated?
Simple interest, at the rate in your contract, based on a 365-day year and the actual number of days elapsed. Payments go first to accrued interest, then to any fees, then to principal.
Will my account be sold to another company?
No. We keep and service every contract we fund, so you’ll always deal with us.
How do I log in to my account?
Log in to your account to see your balance, payment history, and due dates. It’s the same place you make payments.
A merchant sent me here to apply. What do I do?
Go to Apply and choose the business you’re buying from. Applying takes a few minutes, and you’ll get a decision the same day.
How do I dispute something on my account?
Call (949) 207-9323 (Mon–Fri, 9am–5pm PST) or email contact@modernfinancial.com. Written notices about a disputed debt go to 170 S Green Valley Parkway, Suite 300, Henderson, NV 89012.