Question 1

What is Eve?

Accepted Answer

Eve is a multi-lender financing platform. We help service businesses approve more customers by routing each financing application through multiple lenders automatically. Consumers benefit because they get higher approval odds and better rates, all from a single 30-second application.

Question 2

How is this different from CareCredit or other financing?

Accepted Answer

Single-lender solutions approve roughly half of applicants. Eve routes each application through multiple lenders, approving up to 98%. For consumers, that means better odds and more competitive rates because lenders are competing for the deal.

Question 3

What does it cost the business?

Accepted Answer

Merchant fees start at 3.99%. No setup fee. No long-term contract. One additional financed sale per month typically covers the cost many times over.

Question 4

Does this hurt the consumer's credit score?

Accepted Answer

Eve's application process is designed to be transparent about what type of credit inquiry is involved. Consumers are informed before they apply. No surprises.

Question 5

We already use CareCredit. Why add another tool?

Accepted Answer

Keep CareCredit for prime borrowers. Eve catches everyone they decline, typically more than half. Many partners run both and see approvals jump to 85–95%. And because Eve shops multiple lenders, consumers often get more competitive rates.

Question 6

What does it cost?

Accepted Answer

Merchant fees start at 3.99%. No setup fee. No long-term contract. One additional financed sale per month typically covers the cost many times over.

Question 7

How long does setup take?

Accepted Answer

Most businesses go live within 48 hours. We handle onboarding, train your staff in one session, and provide patient-facing marketing materials.

Question 8

Will my team actually use this?

Accepted Answer

It's one form. Staff learn it in minutes. Because it works. Customers get approved, awkward conversations disappear, and sales close. Adoption happens naturally. We provide cheat sheets and live support during week one.

Question 9

What do consumers see?

Accepted Answer

Consumers apply once through a simple form. Eve shops their application across multiple lenders and presents the best available offer. They get better rates and higher approval odds than a single-lender setup. We even have a page you can share with them: eve.co/consumers.

Question 10

Are the lenders reputable?

Accepted Answer

Every lender in our network is a regulated financial institution. All offers comply with Truth in Lending Act disclosures. Your business doesn't carry lending compliance risk. We handle that.

Question 11

What if it doesn't work for us?

Accepted Answer

No long-term commitment. If you don't see results, walk away. But partners typically see their first "saved sale" within two weeks.

Question 12

What is Eve?

Accepted Answer

Eve is a financing platform used by service businesses like dental offices, auto repair shops, medical spas, and veterinary clinics. When you apply for financing at a business that uses Eve, your application gets sent to multiple lenders at once so you get the best available rate and highest chance of approval.

Question 13

Is Eve a lender?

Accepted Answer

No. Eve is a platform that connects you with multiple lenders. We don't make lending decisions. The lenders in our network do. Eve's job is to make sure your application reaches the right lenders so you get the best possible outcome.

Question 14

Will this hurt my credit score?

Accepted Answer

You'll be informed about the type of credit inquiry involved before you submit your application. We believe in full transparency. You'll know exactly what to expect.

Question 15

How do I know the rates are fair?

Accepted Answer

Because multiple lenders are competing for your business simultaneously. When lenders compete, rates get better. You'll see the best available offer from across the network and you choose whether to accept it.

Question 16

Who do I make payments to?

Accepted Answer

You make payments directly to the lender whose offer you accepted. The terms are spelled out clearly before you agree to anything.

Question 17

Can I apply on my own?

Accepted Answer

Eve financing is available through our business partners. You apply at their location, either with their staff or on your own device. If you'd like to find a business near you that offers Eve financing, use the link below.

Frequently Asked
Questions

General

For Businesses

For Consumers

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Frequently Asked Questions

General

For Businesses

For Consumers

Still have questions?

Frequently Asked
Questions