Financing for home automation, home alarm systems, fire security.
UCFS partners with businesses to help more homeowners feel safe in their homes.
Experience growth using our preferred in-home sales program.
Simultaneously improve the buying power of your business and your customers, giving you access to the capital necessary to grow.
UCFS is hiring! Are you looking for your next career opportunity?
Visit our careers page to learn more about our position openings and to send us your resume.

Financing for home automation, home alarm systems, fire security.
UCFS partners with businesses to help more homeowners feel safe in their homes.
Experience growth using our preferred in-home sales program.
Simultaneously improve the buying power of your business and your customers, giving you access to the capital necessary to grow.
UCFS is hiring! Are you looking for your next career opportunity?
Visit our careers page to learn more about our position openings and to send us your resume.

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The Quality Service You Expect From A Trusted Partner

UCFS is a leading provider of in-home customer financing. We work with merchants and distributors to provide the best contracts and financing services available today. Is your In-Home sales organization in need of financing services to grow your top and bottom line? Partner with UCFS and start growing your business today. Learn more

UCFS provides retail installment sales contract financing for a variety of goods and services. By developing long lasting relationships with retailers and their staff across the globe, UCFS is uniquely positioned to provide your retail sales team the financing it needs to grow. Looking to build a relationship with your finance company? Want to speak with a financing professional? You or your customer have a question or specific need? UCFS is the right retail sales financing services partner for you. Call today. Learn more

UCFS provides consumer financing to leading professional service organizations including medical and dental offices, pet purchase financing services and more. We also work with merchants in a variety of other professional industries including HVAC, security systems, home improvement / general contracting, home cleaning systems, and water purification systems. We are always looking for new merchants and distributors to help grow. Learn more

For 40 years, UCFS has been a leading provider of financing for both direct and retail sales, but did you know UCFS can provide professional finance services for many other industries? We are always eager to discover new industries and business types. If your organization could benefit from retail installment sales financing services, contact UCFS today to get started. Learn more

Our Company

We provide financing services that empower both the merchant and the consumer. Integrity, responsibility and respect are our guiding principles.

Consumer Services

We're always looking for opportunities to serve you better. Our dedicated account services team work hard to create lasting relationships with each and every client we work with.

Career Opportunities

UCFS employees are key to the success of our company. We value what our employees offer. You can build your career through the unique opportunities available with us.

UCFS Announces Promotion of Nick Codispoti to President

UCFS ANNOUNCES PROMOTION OF NICK CODISPOTI TO PRESIDENT FOR IMMEDIATE RELEASE CLEVELAND, OH, October 8, 2019 – Unite...

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Consumer Financing Solutions Part 3: How to Overcome Objections to Financing a Sale

This is the third and final post in our three-part series on consumer financing solutions. This article discusses how to overcome objecti...

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The Quality Service You Expect From A Trusted Partner

At United Consumer Financial Services we have been providing quality service and financing to merchants and independent distributors for 40 years. UCFS is the leading financing provider for distributors and merchants throughout all 50 states, as well as in Puerto Rico. We provide closed-end, retail installment sales contracts and finance market-leading products and services. UCFS is also a leading international finance partner for distributors and merchants in Canada, the United Kingdom, Australia, New Zealand and Italy. Our company has a solid reputation for being a trusted, responsible, and financially strong service provider.