Pay at Close · Powered by Titus

Book the Media Now. Pay When It Closes.

Your listing deserves to launch looking its best, without you fronting the cost before commission. Book photos, video and tours with nothing due until after closing, and no added cost from us.

No impact to your credit · Rates start at 0% APR

Apply through Titus Estimate my Rate
Who is Titus?

A payment partner built for real estate

Titus is a payment company built for real estate, and a separate company from Vibrant. When you choose Pay at Close, Titus pays us for your order, and you repay Titus when your listing sells.

Titus, not Vibrant, reviews applications and sets your terms.

Vibrant Media Co interior listing photo
Vibrant Media Co primary bath listing photo
How it works

Same shoot. Payment at the closing table.

  • Order your shoot like normal
  • Create your Titus account with your phone number and complete a short application
  • Agree to your terms, with nothing due until after closing
  • Same team, next-day delivery, professional editing, blue skies and HDR
  • Repay Titus through escrow at closing, or by debit card
  • Soft credit check only, and rates start at 0% APR
Why agents use it

Market first. Settle up later.

Adds nothing to your Vibrant Media invoice

Stand out, $0 up front

Choose the best package for the listing, not the cheapest one.

Pay when you get paid

Your marketing cost lines up with your commission.

Repay when it sells

Due when the listing sells or after six months, whichever comes first.

Know before you book

See if you qualify and what your rate would be first.

Always optional

Prefer to pay by card? That works exactly like it always has.

From a Titus customer
“Titus helps me invest more in my listing without worrying about cash flow. I can choose the best package for the listing, not the cheapest one, which is critical when I have multiple listings at the same time.”
Mark M., Real BrokerTitus customer · shared by Titus
Aerial listing photo Living room listing photo Dining room listing photo
What’s eligible

Any media for a residential listing

Including the Listing Launch Package (MLS photos, Zillow 3D tour, 2D floor plan, and aerials), the Listing Launch + Cinematic Video Bundle, and individual photography, aerials, Zillow Showcase, Matterport, floor plans, virtual staging, and video.

Titus doesn’t cover land, commercial properties, or manufactured homes.

Is it right for this listing?

A great fit for most listings

It’s ideal when the listing deserves full media and you’d rather not carry the cost until commission. Think it through if the home may not sell or could be pulled within six months, because repayment to Titus comes due then whether or not it has closed.

Not sure? Call us at (719) 259-0061 and we’ll talk it through.

Questions

Pay at Close FAQ

What is Pay at Close?
An option that lets you defer paying for your listing media until the listing sells. Titus pays Vibrant; you repay Titus.
Who can use it?
Real estate agents ordering media for their residential listings.
How do I apply?
Go to our Titus link, gotitus.com/pay/vibrant-media-co. Enter your phone number to sign up, complete a short application, and once you’re approved, finish your purchase. You can use the same link every time, so bookmark it in your browser.
Who qualifies?
Titus looks for an active real estate license in the state, an active signed listing agreement for the property, a property that isn’t land, commercial, or a manufactured home, and a credit score above Titus’s limit for your state. You can check your estimate before you order.
Does applying hurt my credit?
No. Titus uses a soft credit check only, so applying and using the funds don’t affect your credit. Your credit is only affected if you don’t repay when it’s due.
How much can I use?
Up to 1.5% of the list price, to a maximum of $20,000. Use as little or as much as you like; you repay only what you use plus your Pay at Close fee.
Does Pay at Close cost more than paying by card?
Not from Vibrant. We cover our side of the Titus fee, so your media costs the same either way.
Does Titus charge me anything?
Titus’s fee starts at 0%, and you’ll see your rate before you accept; check your estimate. For example, at a 4% rate, $1,000 of media is repaid as $1,040.
Can I use it for other listing expenses?
Yes. Log in at gotitus.com with the phone number you signed up with to pay other businesses on Titus for things like staging, painting, repairs, and marketing.
When is it due?
It’s a six-month loan, due at the earliest of: the home sells, the listing is canceled or withdrawn, or six months pass since the first payment. Nothing is due to Vibrant until after the shoot.
How do I repay at closing?
Once you’re under contract, log in at gotitus.com, click “Add closing info,” and add your title, escrow, or attorney details. Titus emails the payoff invoice to your closing team automatically. If your balance is under $2,500, you can turn on Autopay to charge a debit card three days after the sale.
Can I pay off early, outside of closing?
Yes, anytime. Log in, click Repay Now, and pay by ACH or debit card.
What if the home doesn’t sell?
You can repay all at once or start an installment plan. Installment plans can carry additional fees beyond the original due date.
What if I don’t repay?
Titus may report the delinquency to the credit bureaus, which could hurt your credit.
Who do I repay, Vibrant or Titus?
Titus. Vibrant is paid when you order.
Do I have to use it?
No. Card payment works as always.
Questions about your Titus account?
Titus support: call or text (650) 449-8333, or email support@gotitus.com. Questions about your shoot: Vibrant at (719) 259-0061 or hello@vibrantmediaco.com.
Pay at Close

Launch the listing today.
Settle up at closing.

Apply through Titus Learn more about Titus Office / Scheduling (719) 259-0061

Questions about your Titus account? Titus support: (650) 449-8333 (call or text) · support@gotitus.com

Pay at Close is provided by Titus (Aalto, Inc. dba Titus), not Vibrant Media Co, and is subject to Titus’s approval and terms.

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