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A consumer installment contract or retail installment contract is a debt instrument that is based upon an obligation created by a consumer of retail goods or consumer services that takes the form of a note. The debt signified by consumer installment contract is to be repaid by the consumer over a prescribed period of time through installment payments.

Consumer installment contracts are arranged into groups called portfolios, which consist of many like contracts. Funding sources then purchase the consumer installment contract portfolios. (Not all of your sales contracts need to be put into the portfolios, i.e., you can select the contracts that you want to include.)

Some examples of consumer or retail installment contracts that qualify for portfolio purchasing are: student loans, time-share memberships, school tuitions of all types, sales training companies fees, cosmetic surgery fees, health club memberships, country club memberships, gym memberships, camp ground memberships, travel club memberships, ,major appliance purchases, furniture sales contracts, hearing aid clinics sales contracts, etc.

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