Who is GetFinancing™?
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.
Why does GetFinancing ask for the last 4 digits of my Social
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
Why was my identity not verified properly?
GetFinancing verifies the data provided against some third party providers and some in house
anti-fraud technology. For best results we recommend you to use the same
billing and shipping address and avoid using PO Box addresses.
Why was my loan/credit offer not approved?
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
What was the reason, (piece of information) on my credit
report which caused me to be declined?
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
How can I reapply?
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.
Why do you ask questions such as if I rent or own a home?
Annual Salary? Employment Status? Last 4 digits of SSN?
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.
Who are the lenders?
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
What are the GetFinancing terms that I am required to agree to?
When seeking a loan or credit to make your purchase
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
How do I get in touch with my lender or bank?
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.
I made a purchase and used the credit/loan from one of
participating lenders. Now I want to cancel/return item. What
should I do?
GetFinancing's return/dispute policy is either 30 days from
the day of purchase or based on the merchant's return 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.
How is GetFinancing making payment to the merchant for my
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
How do I find the Phone Number of the lender who provided my
financing through GetFinancing?
You will find the lender's customer service phone number on the
monthly statement provided to you by the lender.
you can call GetFinancing's Customer Service at
1-866-298-3757 and we will provide with that
Can I use your program if I am not a USA citizen?
Our program works only for U.S. citizens, permanent residents, and temporary (working) residents in the USA.