Financing Terms

Version 2026-10 · Effective September 29, 2026

These Financing Terms apply when you choose Pay-in-6™ at checkout. They supplement our Terms of Service. "We" means Snake River Enterprises LLC, which operates ListRiver. "You" means the business that places the order. This is a commercial payment plan for business purchases only; it is not consumer credit and may not be used for personal, family or household purposes.

1. Who can use it

Pay-in-6 is available to businesses we have verified as registered with a U.S. state, on orders at or above the minimum shown at checkout. We may also consider how long the business has been registered, whether it has other payment plans open with us, and its payment history with us. We do not pull a personal credit report for this. We may decline, or limit the amount available, at our discretion.

2. What you pay

  • Down payment: 20% of the order total, charged when you place the order.
  • Monthly payments: the rest is split into 6 equal monthly payments (the last may differ by a few cents for rounding), starting one month after your order.
  • Cost: we charge no interest and no financing fee. The total you pay is the same as paying in full.

The exact down payment, each payment amount and each due date are shown at checkout before you pay, in your receipt email and on your order page.

3. Automatic payments

By choosing Pay-in-6 you authorize us, through our payment processor Stripe, to charge the payment method you use at checkout for each scheduled payment on or after its due date. If you later pay with a different card on your order page, that card is used for the remaining payments. You can pay any payment early at any time from your order page, with no penalty.

4. If a payment fails

  • We'll email you and retry automatically every few days, up to a few attempts. You can pay right away from the link in the email.
  • If a payment is 7 or more days late, your monthly list refreshes are paused. Files you have already received remain available to you. Refreshes resume when you are caught up.
  • We may decline further payment plans for a business with a late or unpaid balance.
  • If a balance remains unpaid, we may pursue collection of the amount owed as permitted by law, and your license to use the data may end as described in the Terms of Service.

5. You owe the full order total

Your list is delivered in full right after the down payment. Choosing Pay-in-6 does not make your order cancellable; you agree to pay the full order total according to the schedule. Refunds follow our Refund Policy; if an order is refunded, remaining payments are cancelled.

6. Credit reporting

We report your Pay-in-6 plan to the SMBCredit small business credit bureau, and we may also report it to other business credit bureaus. SMBCredit is affiliated with ListRiver. Reports name Snake River Enterprises LLC as the creditor and include the amount financed, the balance, and whether payments are current or past due, updated monthly until the plan is paid off.

  • On-time payments add positive payment history to your business's credit file.
  • Late or missed payments are reported too, and can hurt your business's credit.
  • We report information about your business, not about you personally.
  • If you believe something we reported is inaccurate, email us at the address below. We'll investigate and correct anything that's wrong.

This section applies to plans accepted under this version of these Financing Terms or a later one. Plans accepted under an earlier version, which said we did not report, are not reported.

7. Changes

We may update these Financing Terms for future orders. The version you accepted at checkout applies to your order.

8. Questions

Email [email protected]. If you're having trouble making a payment, contact us before it's due and we'll try to work with you.