Cosmetology & beauty school financing
Beauty school financing for every future stylist.
Your future stylists, barbers and estheticians are often early in their careers, with limited credit and little savings. A monthly tuition payment, and a waterfall that doesn't stop at one lender, keeps classes full.
Application · Example
Cosmetology program- ApplicantLimited credit history1 application
- Waterfall17 BNPL & consumer lenders, then Everyone Is ApprovedApproved
- Term48 months · 19.99%Example
Illustration. Real offers depend on the lender or program and the application.
The problem
Why tuition gets in the way.
Young students, thin credit
Many students have little or no credit history, so traditional lenders decline them even when they're ready to start.
Gaps after aid
Even at schools that offer financial aid, there's often a gap for kits, fees or the remaining balance.
Missed payments on in-house plans
Running your own tuition plan means your front desk ends up chasing payments instead of enrolling students.
How tuition financing works
One application. Every lender. Every applicant.
Share your link
Add the application to your tours, enrollment calls and tuition page.
One application
Students apply once. The waterfall checks 17 BNPL and consumer lenders, then Everyone Is Approved programs and your LMPP plans.
Start class
Students pick an affordable monthly payment and e-sign before their start date.
17 BNPL & consumer lenders
Prime, near-prime and second-look lenders, checked in order.
Everyone Is Approved programs
Catch applicants the lenders above decline.
Your own payment plans (LMPP)
Your terms and rates, anywhere in the waterfall.
Lender Managed Payment Plan
Turn tuition plans into a portfolio
LMPP lets your school offer its own tuition plans with down payment, term and interest rate options you control. Automatic payments with smart retries reduce missed payments, our bilingual team handles collections, and you keep 90% of what's collected.
No merchant fee. Client Financing keeps 10% of what's collected.
Built for
Who we work with
- Cosmetology schools
- Barber schools
- Esthetics and skin care programs
- Nail technician programs
- Makeup artistry programs
- Lash and brow courses
FAQ
Hair & Beauty Schools financing questions
Can cosmetology students finance tuition with no credit?
Yes. When your waterfall includes an Everyone Is Approved program, every student who completes the application receives an offer, including students with little or no credit history.
Can financing cover the gap after financial aid?
Yes. Many schools use payment plans for the remaining balance, kits and fees that aid doesn't cover.
Who collects payments?
Lenders service the loans they fund. On LMPP plans, Client Financing's bilingual team handles reminders and collections.
Can we set our own down payment?
Yes. On LMPP you choose no down payment, a percentage or a fixed amount for each program.
Other industries
Get started
Offer financing your customers can say yes to.
Takes about a minute. A real person on our team will call you within one business day.
- 17 BNPL & consumer lenders, plus Everyone Is Approved programs
- Optional LMPP plans you control
- No long-term contract, no minimum volume
Received
You're on the list.
Someone from our team will call you within one business day. Keep an eye out for a call or text from Client Financing.