GetFinancing is a real time Purchase Finance Gateway that allows consumers to obtain instant financing from numerous lending sources under the best possible terms, when making a purchase online at a participating merchant’s website.
GetFinancing’s patented state-of-the-art technology allows us to identify, verify, and refer applicants to the appropriate participating financing source. In the most cases, the only information you need to provide are name, address, and the last four digits of your social security number, that’s it! Some of our lenders may require us to gather some additional information such as annual income, employment status and time at residence. In some cases you may be required to provide information contained in you state issued Driver's License.
Yes. In order to secure financing from a lender on your behalf, GetFinancing must verify your credit information through the credit bureaus. This verification will therefore appear as an inquiry by “Emerging Payments Technology” on your credit report.
Credit inquiries are automatically removed after 24 months.
No. We do not store any of this information. It is used only to verify your identity and credit profile at the time of application.
Although a high percentage of requests are approved, GetFinancing cannot guarantee approvals of all requests. Each of our lenders has their own underwriting criteria and we may not have one available to service your needs at this time. There is also a chance that information was entered incorrectly.
Unfortunately due to the Privacy Laws we are not able to access this information. You can contact one of the Credit Bureaus listed on the FCRA decline letter/email you would have received stating that an offer of credit was not available to you at this time due to some issue with your current credit status or information that was not able to be confirmed. You can also contact the lender/bank directly.
In order to reapply, you will need to go back to the merchant's web store and try your transaction once again. Be sure to enter all information correctly and use your full legal name.
Obtaining this information allows the lender to quickly make a decision within their underwriting policies and determine what amount they are able to offer you to complete your purchase.
In order to service the full credit spectrum and to offer loans of varying amounts to most consumers GetFinancing work with numerous and diverse lending sources. GetFinancing participating lenders range from peer to peer lenders, private lenders/banks to large financial institutions. If you qualify they may offer you an instant financing to enable you to pay for your purchase. Should you chose to accept the offered financing you will have an obligation to that particular bank or lender for repayment. You will find out the name of the lender for which you have been pre-qualified when you are presented with an offer. 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 make your purchase through GetFinancing, you must provide certain pieces of information and then expressly “agree” to the Terms and Conditions provided at the time of your application. This grants us the right to seek credit on your behalf. You can review these terms and conditions
You may call them at the Toll Free number provided to you in your email correspondence from the issuing lender, or you can call our customer service line at 1-866-298-3757 and we will be happy to provide the information to you.
Contact the merchant you purchased the item or service from, they will be able to better assist you. 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 an investigation.
If your financing was approved by one of our participating lenders (except for our peer to peer lenders), the lender will settle directly with the merchant and you will receive the item(s) you purchased according to the shipping arrangements you selected with the merchant. If you were approved by one of our peer to peer lenders, the funds will be credited to your bank account and you will need to make payment arrangements with the merchant directly.
You will find the lender's customer service phone number on the
monthly statement provided to you by the lender.
Alternatively you can call GetFinancing's Customer Service at 1-866-298-3757 and we will provide with that information.