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Welcome to Cedar River Finance

Financing Options to Fit Your Life

We find the best fit!

Our partners each have different options available and credit approval criteria. Below you will find a general listing of the types of options available which may or may not be offered by our partner business. Each option has varying requirements and not all people will qualify for every option. 

Apply now.



Popular Financing Options

O% Interest Options

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Starting at 6 months with No Interest these plans have a minimum purchase amount the customer must meet to qualify. These are interest rebate plans in which the interest is accrued during the term of the loan and rebated back as principal when the balance financed is paid in the 0% interest period.  Making the minimum payment will not pay off the loan in the interest-free period.

9.99%-21% APR Installment Contracts

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Fixed-rate, term and payment contracts.  The terms range from 12-36 months with an interest rate lower than many credit cards. 

Some of our partners offer longer terms. 

30 Day & 30/60/90 Day Interest Free Plans

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Pay your bill in 1 month or evenly over 

3 months with no interest charged. If the customer does not pay in the allotted time the balance transfers to a 36-month contract at 21% APR.

No Credit Check - Guaranteed 30/60/90 Plan

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 Pay your bill in evenly over 3 months with no interest charged

  • $500 maximum purchase amount.
  • The customer must make the first 1/3 payment to Cedar River Finance at the time of the agreement.
  • If the customer does not pay as billed in the allotted time the balance transfers to a 36-month contract at 21% APR.

Financing Options Offer by Select Partners

Apollo Plus

O% Interest for the first 12 months.  

  • All monies paid in the first 12 months are applied to principal. 
  • The remaining balance will be converted to a 72-month installment contract at 12% APR, after the first 12 months.  
  • Minimum payment amount required. 
  • Minimum purchase amount required. 

Enhanced Direct Credit Plan

This plan has a 4-month open period in which the customer may make additional purchases on their account and/or pay for the purchase interest-free. 

  • After the 4-month Open period, the account balance converts to a 72-month installment contract with an APR of 9.99-21% varying by credit criteria.  
  • The customer also pays a one-time activation fee of $34.99.

Enhanced Direct Plus Credit Plan

This plan has the same 4-month open period and $34.99 activation fee as the Enhanced Direct Plan. 

  • After the Open period, this plan converts the balance to a 72-month installment contract at 21% APR and offers an additional 8-months interest-free to pay the remaining balance.  
  • Interest will accrue then be rebated back like the O% interest plans.  
  • Making only the minimum payment will not pay the account in the interest-free period.

Appy NOW

Get pre-qualified by filling out a credit application now.  Our credit application is an encrypted and secure form to keep your private information safe.

Direct Credit Plans

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Perfect when our partners don't have the goods or services you need

Our direct credit plans are an economical option when you are working with a business that is not our partner yet or if you fall short of the credit requirements for the plans our partners are offering.

Direct Credit Premier

You will have a 4-month Open Period to make purchases on your account up to your set credit limit and/or pay your account interest-free. In order to use the account, you or the merchant/service provider must submit a sales receipt or invoice. We will pay the business directly and add the charges to your account. At the end of the 4-month Open Period, the balance on the account will be applied to a 72-month installment contract with an interest rate of 9.99-21%. There is an activation fee of $79.99-$129.99. The interest rate and activation fee will vary by credit criteria. You will be informed of your credit limit, activation fee, and interest rate at the time of credit approval. 

Direct Credit

 In order to use the account, you or the merchant/service provider must submit a sales receipt or invoice. We will pay the business directly and add the charges to your account. The balance on the account will be applied to a 72-month installment contract with an interest rate of 21%. There is an activation fee of $129.99.