GetFinancing is a real time Purchase Finance Gateway that enables consumers who are in the process of making purchases either at their favorite participating merchants' websites, or brick and mortar locations, to obtain instant financing under the best possible terms from numerous lending sources.
GetFinancing's patented state-of-the-art technology identifies, verifies, and refers applicants within seconds to the appropriate participating financing sources. In most cases, the only information the applicant will need to provide are his/her name, address, date of birth and the last four digits of his/her social security number. Based on the applicant's credit profile and the amount of the purchase, some participating lenders may require additional information such as the applicant's annual income, employment status and length of time at the current residence. Occasionally, they may require to be provided with information contained in the applicants' state issued Driver's License and ask for his/her checking account information.
Obtaining this information enables the participating lenders to quickly make a credit decision based on their current underwriting policies, as well as determine the amount of credit that they are able to offer to you to complete your purchase.
Sometimes, GetFinancing's lenders need more information about your financial
situation to evaluate your application and to assure that you have a valid and in
good standing bank account. GetFinancing may ask you for your checking account,
which will help the lenders in determining your ability to repay your loan or
lease. GetFinancing does not store your banking information.
Providing your checking account DOES NOT authorize GetFinancing to debit your account. It only allows its lenders to further eliminate the risk of fraud and determine your ability to pay.
GetFinancing verifies the information provided against a multitude of extremely reputable third party data providers, as well as a state of the art anti-fraud technology platform designed to protect your identity and prevent identity theft and fraudulent transactions. For best results we recommend that you provide your full legal name, use the same billing and shipping address and avoid using a PO Box.
You will not see an enquiry on your credit report from GetFinancing. Please be aware that in order to properly verify your identity and refer your application to the most appropriate participating lenders, GetFinancing does verify your credit information through a credit bureau. However, that credit verification is a soft dip, hence invisible by others than you and engineered not to affect your credit score. It is important to note however that some lenders on the GetFinancing platform will verify your credit independently from GetFinancing and that in order to qualify you for financing, that they will pull a hard verification on your credit which might negatively affect your credit score.
Although a high percentage of financing requests are approved through the GetFinancing Gateway, because of the diversity of requirements from the lenders and the broad spectrum of applicants' profiles, not all applications can be guaranteed approval. We strive to approve as many applicants as possible and in order to do so GetFinancing is adding more lenders to its platform on a regular basis. While you might have been declined today, please try again later as a lender that could approve you might have been added to the list of participating lenders at a later date.
Due to Privacy Laws, GetFinancing is not able to access this information. You can however contact the Credit Bureaus listed on the FCRA letter (decline letter/email) you have received stating that an offer of credit was not available to you at this time either due to your current credit status or information that could not be verified. You can also contact the lender/bank directly.
Your application for financing may be in a "Pending Mode" state with some lenders while their underwriters finalize your verification. Some lenders won't finalize your financing until the merchants are ready to ship your item(s). The merchant will let you know when your purchase has been finalized and ready to ship.
In order to reapply, you will need to return to the merchant's web site or physical store and try your transaction once again. Be sure to enter all information correctly and use your full legal name.
In order to cover the full credit spectrum and to offer loans of varying amounts to most consumers, GetFinancing works with numerous and diverse lending sources. GetFinancing participating lenders range from large financial institutions, to private lenders and specialty finance companies. If you qualify, one or more of those lenders may offer you instant financing to enable you to pay for your purchase. Should you choose to accept the offered financing, you will have a repayment obligation to that particular bank or lender. You will be provided with the name(s) of the lender(s) for which you have been pre-qualified at the time the offer(s) is presented to you. You will then be required to agree to their Terms and Conditions as well as the Truth in Lending terms in order for the application to be processed.
When seeking a loan or credit to complete your purchase through GetFinancing you must provide certain personal and uniquely identifiable information and then expressly "agree" to the Terms and Conditions provided at the time of your application. By agreeing to the GetFinancing Terms and Conditions, you are granting GetFinancing the right to seek credit on your behalf.You can review these terms and conditions
You will find the lender's customer service phone number either in the email confirmation that was sent to you by the lender at the time of approval, or on your monthly statement. Alternatively, you can call GetFinancing's Customer Service at 1-866-298-3757 and we will provide you with that information.
If you were approved for financing, the lender will settle directly with the merchant and you will be able to take your purchase home immediately. If shopping online, you will receive the item(s) you purchased in accordance with the shipping arrangements you selected with the merchant at the time of your purchase. If you were approved by one of our peer to peer lenders, the funds will be credited directly to your bank account and you will need to make payment arrangements with the merchant directly.
Once you have completed your checkout and confirmed the financing with the participating lender, GetFinancing will authorize your purchase with the merchant for processing. Please contact the merchant for any updates on the status of your purchase.
GetFinancing's return/cancellation policy is either 30 days from the day of purchase or based on the merchant's order return and cancellation policy; whichever comes first. To check the merchant's return policy, kindly check the merchant's web site or contact the merchant directly for assistance. In the event that you are not able to arrive to a resolution with the merchant, you should contact the credit issuer and ask for procedures on how to start a dispute or charge back.
GetFinancing's multi-lenders credit programs only work for U.S. citizens, permanent residents, and temporary residents legally living in the USA with a valid working social security number.