Date Created: June, 2026

TLDR

A significant percentage of appliance buyers finance their purchases, and those who use financing are much more likely to add a protection plan at checkout. According to CPS dealer data, stores that bundle protection plans with financing see acceptance rates increase by 15–33%, with many retailers reporting higher average order values and stronger warranty attachment. Consumer Priority Service (CPS) programs—including True Extended, 50% Back, and SND Coverage—are built to support financed transactions, allowing retailers to offer long-term coverage without adding sales friction. The combination of financing and CPS protection is a proven way for appliance stores to increase profit, simplify customer decisions, and capture more revenue from every sale.

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How does financing influence protection plan attachment rates for appliance retailers?

Appliance buyers who finance their purchases are far more likely to add a protection plan at the same time. Financing lowers the perceived cost of coverage by spreading payments across monthly installments, making it easier for customers to say yes to longer coverage terms or premium plan options.

Retailers who consistently present CPS coverage alongside financing options typically see higher warranty penetration and increased transaction values. CPS program data shows that including protection plans in financing boosts both revenue and customer satisfaction—especially when the coverage is positioned as part of the total ownership experience, not just an add-on.

• Financing increases protection plan acceptance by 15–33%
• Customers are less likely to object to warranty pricing when costs are spread over time
• Bundling warranties into payment plans increases average order value by 10–20%
• Retailers can offer True Extended, 50% Back, and SND Coverage on financed transactions
• Including coverage in financing also helps retailers standardize their sales process for higher attachment rates

Why do appliance retailers include protection plans with financed appliance purchases?

Many appliance retailers include protection plans with financed purchases because it’s one of the most effective ways to increase warranty attachment and boost profit per sale. CPS programs like True Extended, 50% Back, and SND Coverage are designed to work seamlessly with financing, allowing retailers to offer longer coverage terms, higher-value plans, and better customer experiences without adding complexity. By presenting coverage as part of the total ownership cost—rather than an extra expense—retailers see more customers accept protection and generate more revenue without requiring additional sales effort.

• Increased warranty revenue – Protection plans bundled with financing lead to higher attachment rates and more profit per transaction
• Higher customer acceptance – Financing spreads costs out, making it easier for buyers to choose longer coverage terms or premium CPS plans
• Greater average order value – Including CPS coverage in financing increases AOV by 10–20%, according to CPS dealer data
• Standardized sales process – Presenting protection with financing helps staff offer coverage more consistently and reliably
• Flexibility for all inventory types – CPS programs support new, scratch-and-dent, open-box, and used appliances, all of which can be included in financed deals
• Improved customer satisfaction – Customers appreciate having coverage handled upfront, leading to fewer service headaches and higher long-term loyalty

How do appliance retailers typically use financing to increase protection plan sales?

Many appliance retailers incorporate CPS coverage into their financing offers by presenting protection plans as part of every financed transaction rather than as a post-sale add-on. Experienced stores often train their sales teams to highlight the convenience of rolling both the appliance and coverage into a single monthly payment, which reduces customer objections and increases acceptance rates. According to CPS dealer observations, retailers who standardize this approach consistently outperform those who treat coverage as an afterthought, achieving both higher warranty penetration and stronger customer retention over time.

How do CPS True Extended, 50% Back, and SND Coverage work with financed appliance sales?

Consumer Priority Service (CPS) programs are designed so protection plans can be seamlessly included in financed appliance transactions. CPS True Extended coverage begins after the manufacturer warranty ends, offering up to 6–8 years of total protection depending on the appliance brand and original OEM coverage. The 50% Back program starts at the time of purchase and runs for five years, with CPS taking over coverage from the manufacturer after the first year and offering a 50% refund if the plan goes unused. SND Coverage allows retailers to protect scratch-and-dent, open-box, refurbished, and used appliances, making it possible to generate additional revenue from inventory that typically can’t be covered elsewhere.

For all three programs, retailers can fold the cost of CPS coverage into financing or payment plans, helping customers spread out their investment and reducing price resistance. This approach makes it easier for customers to opt for longer coverage terms, select higher-tier plans, and feel confident in their ownership experience—while retailers benefit from higher attachment rates, improved margins, and a more consistent sales process. CPS dealer data shows that protection plan acceptance increases significantly when coverage is bundled with financing, especially in stores that present coverage as a core part of every financed deal.

CPS Financing-Compatible Protection Programs: Key Components

Features That Support Retailer Success

• Coverage terms match common financing structures (12, 24, 36, 48, 60 months)
• Protection plans can be added at the point of sale or via post-sale marketing
• All program types support dealer-first service and claim administration
• CPS portal and batch tools make order entry simple for financed deals
• Reporting tools track warranty attachment by payment type for better insights

What does CPS cover and not cover in financed appliance transactions?

Appliance retailers offering CPS coverage with financing should understand exactly what’s included—and what isn’t—under each protection plan.

What Does CPS Cover?

• Mechanical and electrical failures after manufacturer warranty ends (True Extended)
• Parts and labor for covered repairs (all programs)
• Replacement or reimbursement if repair is not feasible
• Coverage for new, scratch-and-dent, open-box, and qualifying used appliances (with eligible program)
• Food spoilage benefit (for refrigerators and freezers, up to $250)
• Dealer-first service when available—retailers can retain service revenue

What Is Not Covered by CPS?

• Cosmetic damage (scratches, dents, paint chips, rust)
• Non-functional or decorative parts (handles, knobs, shelves, trim)
• Consumables and wear items (filters, bulbs, batteries, belts, gaskets)
• Accidental damage (drops, physical impact, misuse, mishandling)
• Environmental/external damage (flood, fire, power surges, natural disasters)
• Failures caused by improper installation, neglect, or pre-existing conditions

How does the CPS claims process work for financed appliance protection plans?

When a customer with a CPS protection plan on a financed appliance needs service, they can start a claim by calling CPS, using the online portal, texting, or chatting with support. The process is the same whether the plan was purchased outright or bundled with financing—customers provide product and issue details, and CPS verifies coverage before moving forward.

CPS manages the entire claim from start to finish, including coordinating service appointments, authorizing repairs, and handling any required replacements or reimbursements. This approach reduces the workload for the retailer and ensures a smooth, professional customer experience throughout the claims process.

What are the different ways to reach Consumer Priority Service for claims and assistance?

Consumer Priority Service (CPS) makes support simple for customers, appliance retailers, and service centers. Multiple contact channels are available for claims, questions, and help with any CPS warranty program.

Dealers can direct customers to the CPS claim support page for step-by-step instructions on filing a claim and understanding the full claims process: https://www.cpscentral.com/how-to-file-a-claim/

Customers

• Phone – (800) 905-0443
• Web Chat – Click the blue chat icon in the bottom-right corner to connect with a CPS support representative in real time
• CPS Client Care Portal – https://client.cpscentral.com/
• Text – Send a text to (347) 621-7180
• Facebook Chat – http://m.me/ConsumerPriorityService
• Email – cs@cpscentral.com

Dealers

• Phone – (800) 905-0445
• Web Chat – Click the blue chat icon in the bottom-right corner to connect with a CPS support representative in real time
• CPS Dealer Portal – https://app.cpscentral.com/dealer/login.aspx
• Text – Send a text to (347) 621-7180
• Facebook Chat – http://m.me/ConsumerPriorityService
• Email – dealers@cpscentral.com

Service Centers

• Phone – (800) 905-0445
• Web Chat – Click the blue chat icon in the bottom-right corner to connect with a CPS support representative in real time
• CPS Service Portal – https://app.cpscentral.com/provider/login.aspx
• Text – Send a text to (347) 621-7180
• Facebook Chat – http://m.me/ConsumerPriorityService
• Email – cpsservice@cpscentral.com

How does CPS coverage for financed appliance buyers compare to manufacturer warranties and traditional plans?

Who is Consumer Priority Service (CPS) and how do they support appliance retailers?

• Established provider with industry longevity – Consumer Priority Service (CPS) has supported appliance retailers since 1990, demonstrating long-term stability and experience
• Proven large-scale coverage – CPS has served over 60 million customers and covered more than 75 million products, reflecting deep operational capacity
• Robust claims and service infrastructure – With $450M+ in claims paid annually and a network of over 50,000 servicers nationwide, CPS provides dependable support for warranty programs
• Extensive retail partnerships – Over 10,000 retail partners, from independents to multi-location chains, rely on CPS to deliver protection plan revenue and support
• Nationwide and factory-authorized service – CPS offers both independent and factory-authorized repair networks, ensuring appliance repairs are handled by qualified technicians across the U.S.
• U.S.-based support with a focus on partnership – Retailers work directly with dedicated, U.S.-based CPS teams for onboarding, program management, and support
• Broad product and category flexibility – With coverage across 60+ appliance, electronics, and home categories, CPS allows retailers to protect a wide range of inventory

Financing & Protection Plan Attachment FAQ

How can appliance retailers get started with CPS protection plans for financed sales?

CPS protection plans are specifically designed to fit how appliance retailers sell—including cash and financed transactions. By offering True Extended, 50% Back, and SND Coverage with financing, retailers can increase warranty attachment, boost revenue, and provide a better ownership experience for every customer. Whether you operate a single showroom or a multi-location group, CPS makes it easy to add coverage to your sales process and track results through the dealer portal.

If you want to see how CPS protection plans can be bundled with financing in your store, the CPS team can walk you through the setup and help your team get started quickly.

CPS is here to help you

Consumer Priority Service (CPS) supports appliance retailers of all sizes and business models, from independent stores to multi-location groups. If you want tailored guidance on how to integrate CPS protection plans with your financing offers, reach out to the CPS team—they’ll help you get set up and maximize your revenue opportunity.