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Mason Easy-Pay Review. What’s the Easy Pay Pitch All About

A catalog is being sent out for Mason Easy Pay. It advertises hats and footwear at easy monthly payment prices. Buy Now, Pay Later the catalog says on the cover.

Mason Easy Pay Review. Whats the Easy Pay Pitch All About

Anytime I see something mailed to the masses with a “Pre-Approved” message of pay later my radar typically goes up.

I thought I’d take a closer look at this financing offer to see what was up with it.

The premise is that Mason Easy Pay sells primarily footwear to consumers and extends financing to them to allow consumers to purchase footwear goods now and make monthly payment towards the credit extended.

The catalog features items that are mostly less than $20 a month. Products include all types of shoes for me and women.

Mason Easy-Pay Financing

Let’s take a look at the Mason-Easy-Pay financing details provided in the catalog.

Mason Easy Pay Review. Whats the Easy Pay Pitch All About

The cover page reinforces the no money down and approved easy credit.

Mason Easy Pay Review. Whats the Easy Pay Pitch All About

Rather than a fixed percentage of the balance due per month, the terms show how the minimum monthly payment is calculated based on the range of the balance.

Mason Easy Pay Review. Whats the Easy Pay Pitch All About

As the balance decreases the monthly minimum payment becomes a larger percentage of the balance. Actually this works out slightly better for consumers than a credit card does since the monthly payments remain higher and thus pay off the debt faster.

According to the terms, the offers are being mailed by pre-screening people against Equifax and the sending offers for credit.

You can see that payments not only have a due date, but a due time as well. All payments are due by 5 p.m. on the due date.

There is a $20 charge for each returned check.

Unlike a credit card company, the Mason Easy-Pay late fees are determined on a state by state basis. There is a very detailed description of what the charges would be in each state.

The is no charge for going over-the-limit.

Mason Easy Pay Review. Whats the Easy Pay Pitch All About

The interest rates are not all that horrible or out of line with many credit cards. In fact the rate in Arkansas is really good. Generally the interest rate is in the 20% range. They do a good job of laying out the rates by state in their table of terms.

Mason Easy-Pay Products

I expected the price of the products offered by Mason Easy-Pay to be much higher than available elsewhere. And while it is true that will a bit of careful searching and price shopping, you can save some money on the rates. It actually was not as radically different that what Mason Easy-Pay was selling the products for.

Let’s take the Stacy Adams Men’s Wool Felt Hat. It’s not often I see a catalog selling a wool felt hat so it caught my eye.

The best price I could find for the hat was about $39.99 at J.C. Penny.

Mason Easy Pay Review. Whats the Easy Pay Pitch All About

I found the hat to be listed as high as $89.90 on eBay.

Mason Easy Pay Review. Whats the Easy Pay Pitch All About

The Mason Easy-pay price was $49.95.

Mason Easy Pay Review. Whats the Easy Pay Pitch All About

Overall, for an offer targeted as a buy now, pay later scheme I found the terms to not be grossly unfriendly and fairly straightforward.

Even the return policy was pretty good.

Customer satisfaction is our #1 priority at Mason Easy-Pay. If you are not completely satisfied with your purchase, please send your item(s) back to us within 120 days and we’ll promptly handle your refund or exchange. Returned items must be in their original and unworn condition. (Sorry, shipping and processing charges are non-refundable.)

Mason Easy-Pay is actually part Mason Companies, Inc. out of Wisconsin. The sister trading lines are Auditions, E.T. Wright, K. Jordan Apparel, Maryland Square, Masseys, ShoeMall, and Wissota Trader.

As long as you are aware of the interest that will be charged on the purchase and the terms offered and your choice is between putting this on a higher priced credit card with less friendly rates, it seems the Mason Easy-Pay terms and offers are reasonable.

Mason Easy Pay Review. Whats the Easy Pay Pitch All About
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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Toten Kopf

    I received a catalog with same preapproval. When I ordered I checked after a couple days and my order had not shipped. I contacted customer service via email. I later got a response saying they needed 25% down payment. A couple more emails later I was told that all sales are subject to final credit approval and down payments may be necessary. Really? Preapproved – no down payment? They hit my credit report and then asked for a down payment. Do not believe what they say.

    • http://GetOutOfDebt.org/ Steve Rhode

      A good lesson to learn. Generally all preapproved means is you were “preapproved” to get a catalog.

  • fed up

    I paid my account in full over 2 weeks ago and they are claiming they never recieved the check yet I have it cleared thru my bank. They are refusing to make it a zero balance and because of it i can not close the account. This is the WORST place to do business with. not worth it over a pair of shoes. This and their sister company stoneberry are the absolute worse.

  • Penny Bennett

    1st Time calling – Horrible Customer Service. I ordered a pair of Boots
    & 2 weeks went by no email – nothing. I called I was told that my
    billing address isn’t deliverable and that I have to call back next day
    as customer service went home for the day..( Wierd ) Online shopping
    should be available at 5pm EST.  After making a few statements and being
    a bit pushy in regards to my account that the rep then was more helpful
    by looking at the notes on the account.

    I called next day spoke to a different rep who transferred me to Credit
    Dept in which then I was told that my billing address needed corrected
    that it didn’t show correctly so I updated it with the Extremely RUDE
    Rep and ordered my New Boots again for the 2nd time. I was then told I
    would get confirmation if approved or a letter in the mail. I have a
    credit score of 650 So I wasnt worried about the credit.

    Now its been 2 weeks in total – No boots/email/calls or any notes in the acoount I signed up online with ??

    They treat there customers like crap. Transferred to CREDIT Third call – RUDE RUDE -RUDE

    I told the rep forget it !! When she began to tell me to call back in  a
    week to talk to Credit to change/update my address AGAIN ?!!

    I Live in a Mountain area and have no way to really shop except by catalog thought this would be

    a good experience as I received a catalog in the mail on some nice snow
    boots & didn’t want to pay all at once I wanted to pay for them in 3
    payments. It sounded so good to me .Too good to be true

    I will order with a better company who treats there customers better and
    wont be back. ( I will pass this on ) as a lesson. these people really
    suck at customer service..

    Thanks for the wake up call !!

  • Alottobidder1

    1st Time calling – Horrible Customer Service. I ordered a pair of Boots & 2 weeks went by no email – nothing. I called I was told that my billing address isn’t deliverable and that I have to call back next day as customer service went home for the day..( Wierd ) Online shopping should be available at 5pm EST.  After making a few statements and being a bit pushy in regards to my account that the rep then was more helpful by looking at the notes on the account.

    I called next day spoke to a different rep who transferred me to Credit Dept in which then I was told that my billing address needed corrected that it didn’t show correctly so I updated it with the Extremely RUDE Rep and ordered my New Boots again for the 2nd time. I was then told I would get confirmation if approved or a letter in the mail. I have a credit score of 650 So I wasnt worried about the credit.

    Now its been 2 weeks in total – No boots/email/calls or any notes in the acoount I signed up online with ??

    They treat there customers like crap. Transferred to CREDIT Third call – RUDE RUDE -RUDE
    I told the rep forget it !! When she began to tell me to call back in  a week to talk to Credit to change/update my address AGAIN ?!!

    I Live in a Mountain area and have no way to really shop except by catalog thought this would be
    a good experience as I received a catalog in the mail on some nice snow boots & didn’t want to pay all at once I wanted to pay for them in 3 payments. It sounded so good to me .Too good to be true

    I will order with a better company who treats there customers better and wont be back. ( I will pass this on ) as a lesson. these people really suck at customer service..

    Thanks for the wake up call !!

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