Our Customers

As one of the most inclusive risk-based pricing providers, Bristlecone serves the millions of Americans who are under-served by most finance options as well as customers with incredible credit histories. The average credit score in the US today is 667. 

Prime customers are those with scores of 720 and higher. We work with them. But that means 108 million Americans are considered “under-served” by financial services because of limited credit histories or non-prime credit scores. We work with them too. We believe you’re more than your credit score and we know the credit system is broken. To get credit today, you must have credit already. A bit backward, don’t you think? Let’s break the cycle.

We measure credibility in other ways to provide personalized pricing and access for all creditworthy applicants. We use hundreds of additional data points and grant personalized terms based on the unique history of every qualified customer. By providing access to more individuals, credit-building customers can begin to build their credit profile. Personalized terms better serve qualifying applicants of all histories and scores. The more dependable the applicant, the better the terms. We believe everyone deserves incredible customer service, regardless of credit score. We provide a superior customer experience.

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PRICING

We accurately price risk
Proprietary machine-learning algorithms leverage 1,000 data points to build individualized pricing.

 

 

ACCESS

We personalize terms
Algorithms constantly improve risk predictions, giving access to more under-served, creditworthy customers.

TECHNOLOGY

We design for the market
Custom products are built to fit specific markets and buyers. The immediate and streamlined cloud-based software platform is seamless for merchants and consumers.

What Our Customers Say

Thank you for giving me the opportunity to be a customer.

Leopoldo- Houston, Texas

2016-11-22T18:26:44+00:00

Leopoldo- Houston, Texas

Thank you for giving me the opportunity to be a customer.
We appreciate your company giving us the chance to prove our integrity.

Jonathan- Cedar Rapids, Iowa

2016-11-22T18:53:34+00:00

Jonathan- Cedar Rapids, Iowa

We appreciate your company giving us the chance to prove our integrity.
Website was easy to navigate and approval process as well. Thanks so much for giving me a chance.

Laketta- Belmont, North Carolina

2016-11-22T19:00:51+00:00

Laketta- Belmont, North Carolina

Website was easy to navigate and approval process as well. Thanks so much for giving me a chance.
It's a joy working with nice, patient people who love their jobs

Lucas Independence, Montana

2016-11-22T19:05:29+00:00

Lucas Independence, Montana

It's a joy working with nice, patient people who love their jobs
Soooo helpful and nice thank you so much I'm a happy camper.

Alicia- Dearborn Heights Mchigan

2016-11-22T18:49:27+00:00

Alicia- Dearborn Heights Mchigan

Soooo helpful and nice thank you so much I'm a happy camper.
This was the fastest that I have been approved for anything. Thank you for giving me an opportunity.

Nikesha- Lithonia Minnesota

2016-11-22T18:50:11+00:00

Nikesha- Lithonia Minnesota

This was the fastest that I have been approved for anything. Thank you for giving me an opportunity.
I'm so happy and thrilled for getting a quick approval with a fantastic amount!!!

Darin- Edina, Minnesota

2016-11-22T19:00:16+00:00

Darin- Edina, Minnesota

I'm so happy and thrilled for getting a quick approval with a fantastic amount!!!
Your company allowed me to meet a need in a time of my life of rebuilding. No other company gave me that opportunity to help me move forward!

Jeffery, Lansing IL

2016-11-22T18:22:49+00:00

Jeffery, Lansing IL

Your company allowed me to meet a need in a time of my life of rebuilding. No other company gave me that opportunity to help me move forward!
I view you as a very reputable company and one that stands behind their customers.

Lisa- Oakpark, Michigan

2016-11-22T18:56:54+00:00

Lisa- Oakpark, Michigan

I view you as a very reputable company and one that stands behind their customers.
When we thought we had lost our puppy the other day, I called Wags Lending and Katie called me back. She was so considerate and so kind. She even sent us a card in the mail. We were devastated at the thought of losing our Pug named Dalylah, but I'm happy to report that she is home and all is well. Thank You so much for actually caring about our little family!!!

Matthew- Joplin, Montana

2016-11-22T19:03:21+00:00

Matthew- Joplin, Montana

When we thought we had lost our puppy the other day, I called Wags Lending and Katie called me back. She was so considerate and so kind. She even sent us a card in the mail. We were devastated at the thought of losing our Pug named Dalylah, but I'm happy to report that she is home and all is well. Thank You so much for actually caring about our little family!!!
Never know I would be so satisfied and happy. You guys are one in a million.

Raymond- Brooklyn, New York

2016-11-22T18:25:41+00:00

Raymond- Brooklyn, New York

Never know I would be so satisfied and happy. You guys are one in a million.
I love the idea of lending for your wedding dress. I Do Lending really made my wedding day the best day of my life!

Jennifer- Glascow, Kentucky

2016-11-22T19:02:52+00:00

Jennifer- Glascow, Kentucky

I love the idea of lending for your wedding dress. I Do Lending really made my wedding day the best day of my life!
AWESOME COMPANY... Was not expecting their kindness and especially during this time of year... I appreciate everything and I love this company.. I will do business with them again...

Glenna- Hollywood, Florida

2016-11-22T18:58:25+00:00

Glenna- Hollywood, Florida

AWESOME COMPANY... Was not expecting their kindness and especially during this time of year... I appreciate everything and I love this company.. I will do business with them again...
I love being a customer and thank you for taking a chance on me. I love the the bedroom set and looking forward to adding on as I go and thank you again.

Mollie- Houston, Texas

2016-11-22T18:59:36+00:00

Mollie- Houston, Texas

I love being a customer and thank you for taking a chance on me. I love the the bedroom set and looking forward to adding on as I go and thank you again.
I love my puppy and happy I have a affordable monthly payment.

Dawan- Green Brook, New Jersey

2016-11-22T19:06:08+00:00

Dawan- Green Brook, New Jersey

I love my puppy and happy I have a affordable monthly payment.
Approval was quick and easy. Wish they offered personal loans at banks that quick and efficent.

Tonia- Johns Creek, Georgia

2016-11-22T19:04:17+00:00

Tonia- Johns Creek, Georgia

Approval was quick and easy. Wish they offered personal loans at banks that quick and efficent.
You guys have been so kind to me. It's nice to know that a company understands and is not all about the money.

Patrina- Las Vegas, Nevada

2016-11-22T18:52:42+00:00

Patrina- Las Vegas, Nevada

You guys have been so kind to me. It's nice to know that a company understands and is not all about the money.
You're very accommodating and had no need for a down payment even with an average credit score. Thank you so much.

James- Pasadena, Texas

2016-11-22T18:55:34+00:00

James- Pasadena, Texas

You're very accommodating and had no need for a down payment even with an average credit score. Thank you so much.
Great. Thank you for giving me the opportunity to finance through you!!

Marisol- Richardson, Texas

2016-11-22T18:24:23+00:00

Marisol- Richardson, Texas

Great. Thank you for giving me the opportunity to finance through you!!

20% of American adults have little to no credit history and are considered “credit invisible.”

That means 1 in 5 adults have no traditional credit score.
We think they deserve a chance to prove their integrity.
At least 30-35 million Americans do not have a traditional credit score.
We use other tools to make lending decisions.

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Our Merchants

Bristlecone serves the millions of Americans who are underserved by most finance options.

Bristlecone stands by small business. We believe brick and mortar is the foundation of communities.Traditional point-of-sale financing is broken. It takes too long. It serves too few. We understand you need more inclusive consumer financing options. Our approval rates are higher. Our terms are immediate. Our rates are personalized. Full merchant payments are easy.  Streamlined system provides financing options for high and low credit customers. Work with fewer finance companies. Serve more customers.  Traditional financing uses outdated tech and fails a majority of dependable Americans. We dig deeper. We believe your customers are more than their credit score. Bristlecone reviews hundreds of additional personal data points. Every qualified applicant receives personalized terms based on their unique history. We provide a superior merchant experience with quality concierge services. We transfer funds quickly and reliably.

retailers-2

Retail stores enrolled: 2341

We love using OneRoad Lending! Watching our customers get approved so quickly who may not have gotten the opportunity elsewhere makes this process so simple and we will definitely continue using you guys!

Sound Doctor 911, California

Bristlecone Holdings
2016-11-22T18:13:05+00:00

Sound Doctor 911, California

We love using OneRoad Lending! Watching our customers get approved so quickly who may not have gotten the opportunity elsewhere makes this process so simple and we will definitely continue using you guys!
Your customer care is so helpful and patient and appreciated. We love using OneRoad!

Sound Doctor 911, California

Bristlecone Holdings
2016-11-22T18:13:27+00:00

Sound Doctor 911, California

Your customer care is so helpful and patient and appreciated. We love using OneRoad!
Whenver I interact with with the Wags team they are very helpful. It is awesome to feel someone is going to be there to help us when in need.

Exotic Tropical Pet World, New Jersey

Bristlecone Holdings
2016-11-22T18:07:45+00:00

Exotic Tropical Pet World, New Jersey

Whenver I interact with with the Wags team they are very helpful. It is awesome to feel someone is going to be there to help us when in need.
Thanks Wags!

Pet City Citadel, Colorado

Bristlecone Holdings
2016-11-22T18:14:50+00:00

Pet City Citadel, Colorado

Thanks Wags!
Hey thanks for always checking up on us! Ya'll are awesome! You're our favorite finance company.

Clay Road Furniture, Illinois

Bristlecone Holdings
2016-11-22T18:13:54+00:00

Clay Road Furniture, Illinois

Hey thanks for always checking up on us! Ya'll are awesome! You're our favorite finance company.
We have greatly appreciated the customer service that WAGS has given to our new company and the customers.

Happy Tails, Pennsylvania

Bristlecone Holdings
2016-11-22T18:10:46+00:00

Happy Tails, Pennsylvania

We have greatly appreciated the customer service that WAGS has given to our new company and the customers.
Thank You so much. Wags has been such a blessing to my company. With all of the changes Wags has had while growing, I never felt any growing pains. Everything you have done to grow has allowed Puppies Galore to prosper. You have helped us with financing for our customers, business is good and will get better. Just wanted to Thank You again.

Puppies Galore and More, Florida

Bristlecone Holdings
2016-11-22T18:09:27+00:00

Puppies Galore and More, Florida

Thank You so much. Wags has been such a blessing to my company. With all of the changes Wags has had while growing, I never felt any growing pains. Everything you have done to grow has allowed Puppies Galore to prosper. You have helped us with financing for our customers, business is good and will get better. Just wanted to Thank You again.
Honestly I believe Wags is the best for me and my business.

The Puppy Store, Florida

Bristlecone Holdings
2016-11-22T18:11:53+00:00

The Puppy Store, Florida

Honestly I believe Wags is the best for me and my business.
The Wags staff is very helpful!

My Next Puppy, Virginia

Bristlecone Holdings
2016-11-22T18:09:01+00:00

My Next Puppy, Virginia

The Wags staff is very helpful!
High Five! I'm so excited to be working with you guys!

Di-Amore Fine Jewelers, Texas

Bristlecone Holdings
2016-11-22T18:14:33+00:00

Di-Amore Fine Jewelers, Texas

High Five! I'm so excited to be working with you guys!
Amazing! Since I first started with Wags they have always showed superb customer service to us.

Family Bulldog, Florida

Bristlecone Holdings
2016-11-22T18:09:53+00:00

Family Bulldog, Florida

Amazing! Since I first started with Wags they have always showed superb customer service to us.
My experience has been very good. I am a slow learner and have had quite a few exceptions to the rules but have gotten great help from customer service.

Cottman of Columbia, south Carolina

Bristlecone Holdings
2016-11-22T18:12:25+00:00

Cottman of Columbia, south Carolina

My experience has been very good. I am a slow learner and have had quite a few exceptions to the rules but have gotten great help from customer service.
We are very thankful and appreciative for all the hard work the Wags Lending staff puts forth each day. This leasing program is the easiest and most efficient finance plan that we have used, and it is largely because of the employees. There is always a welcoming and positive person answering the phone or responding to us through email. Thank you for all the hard work and all that you do!!!! It is our pleasure to be working with you!

Puppies Tampa, Florida

Bristlecone Holdings
2016-11-22T18:01:32+00:00

Puppies Tampa, Florida

We are very thankful and appreciative for all the hard work the Wags Lending staff puts forth each day. This leasing program is the easiest and most efficient finance plan that we have used, and it is largely because of the employees. There is always a welcoming and positive person answering the phone or responding to us through email. Thank you for all the hard work and all that you do!!!! It is our pleasure to be working with you!
Good morning, your words really hit home last week, you are correct your program is effective in generating mutual clients. THANK YOU for pushing me to help myself. Thank you again for making an effort. God bless you!

American Wheel & Tire, California

Bristlecone Holdings
2016-11-22T18:15:09+00:00

American Wheel & Tire, California

Good morning, your words really hit home last week, you are correct your program is effective in generating mutual clients. THANK YOU for pushing me to help myself. Thank you again for making an effort. God bless you!
So, So Very happy to be able to offer this to my clientele. Everyone is very excited, thank you for such hard and quick work to get us approved.

Geaux Paws Inc, California

Bristlecone Holdings
2016-11-22T18:08:13+00:00

Geaux Paws Inc, California

So, So Very happy to be able to offer this to my clientele. Everyone is very excited, thank you for such hard and quick work to get us approved.
The Bristlcone staff is always a pleasure to work with. My customer is so excited to use Bristlecone because this is the first time she has been approved for financing!

Minots Mattress, North Dakota

Bristlecone Holdings
2016-11-22T18:11:29+00:00

Minots Mattress, North Dakota

The Bristlcone staff is always a pleasure to work with. My customer is so excited to use Bristlecone because this is the first time she has been approved for financing!
We are very pleased that we have found a company that is able to take care of our clients that require financing. The fact that we can provide this service is very important to us. Naturally it brings in more income, but we have found that if you take care of your clients they will stay with you. I love the fact that with OneRoad Lending we pay no fees for this service, and encourage you to learn how simple OneRoad Lending really is.

The Car Shop, Arizona

Bristlecone Holdings
2016-11-22T17:59:38+00:00

The Car Shop, Arizona

We are very pleased that we have found a company that is able to take care of our clients that require financing. The fact that we can provide this service is very important to us. Naturally it brings in more income, but we have found that if you take care of your clients they will stay with you. I love the fact that with OneRoad Lending we pay no fees for this service, and encourage you to learn how simple OneRoad Lending really is.
Thanks again for all you do and for allowing us to be one of your Wags retailers.

Pet City, Houston

Bristlecone Holdings
2016-11-22T18:08:34+00:00

Pet City, Houston

Thanks again for all you do and for allowing us to be one of your Wags retailers.
Our experience so far with OneRoad has been nothing less than phenomenal.

The Car Shop, Arizona

Bristlecone Holdings
2016-11-22T18:12:44+00:00

The Car Shop, Arizona

Our experience so far with OneRoad has been nothing less than phenomenal.