Split the Cost. Start Today. No Credit Check.
We’ve partnered with Denefits to offer flexible Buy Now, Pay Later (BNPL) options for all Carter & Co. services — including credit repair, business setup, and virtual office solutions.
Whether you're building your credit or just budgeting wisely, we make it easy to access the support you need without breaking the bank.
Why We Offer Payment Plans
We get it — launching or fixing your financial future can be expensive.
That’s why Carter & Co. offers zero credit check payment options through Denefits, so more people can take action — regardless of where they’re starting.
You don’t need perfect credit to access premium business and credit-building services. With Denefits, we give you the breathing room you need.
What’s Included in Our Payment Plan Program
Whether you’re purchasing one service or bundling a full business setup, our payment plans help you start now and spread out the cost.
Buy Now, Pay Later Access for all Carter & Co. services
No Credit Check or Income Verification
Monthly Auto-Pay Billing with custom payment terms
Quick Online Application (via Denefits)
Instant Decision in Most Cases
No Prepayment Penalties
Who This Is For
If money’s tight but you’re serious about change — this option was built for you.
Clients who need credit repair, LLC setup, or rent reporting but can’t pay in full
Entrepreneurs managing startup costs
Families focused on restoring financial health
Anyone looking for a low-risk, flexible payment option
Our Promise
Clarity
We break down financial topics so you can make informed decisions
Support
You’ll never be left guessing, with access to tools, updates, and real humans
Access
We create opportunities for those who need real solutions, not just advice
Frequently Ask Questions
Do you run a credit check when I apply?
No. We never run a credit check for bill pay assistance. We focus on your needs, not your score.
What services qualify?
Almost all of our services qualify — including bundles. If you’re unsure, just ask during checkout or book a free call.
Is the application secure?
Yes. Denefits uses encrypted, HIPAA-compliant systems to protect your data.
Can I pay off early?
Yes. There are no penalties or fees for early payoff.
Innovation
Fresh, creative solutions.
Integrity
Honesty and transparency.
Excellence
Top-notch services.
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