Frequently Asked Questions

Consumers



WeGetFinancing is a multi-lender platform that instantaneously provides financing at the time of checkout to customers across the credit spectrum.
WeGetFinancing'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 you would need to provide is your name, address, date of birth, and the last four digits of your social security number.
Depending on your credit profile and the purchase price, some lenders may ask you for your checking or saving account information and information from your state-issued Driver's License. To further eliminate the risk of fraud and determine your ability to repay your loan, some participating lenders may require additional information such as your annual income, employment status, and length of time at the current residence.
Providing your checking account does not authorize WeGetFinancing to debit your account. The purpose of collecting this information is to enable participating lenders to quickly make a credit decision based on their current underwriting policies and determine the amount of credit they can offer for you to complete your purchase.
WeGetFinancing’s state-of-the-art anti-fraud technology platform is designed to protect your identity and prevent identity theft and fraudulent transactions. Your personal information is uploaded to WeGetFinancing’s secure online portal. WeGetFinancing then verifies the information provided against a multitude of extremely reputable third-party data providers.
WeGetFinancing does not store your banking information. Some of your identifying information is stored and only used to verify your identity and credit profile at the time of your original and subsequent financing applications. For more details concerning the information stored by WeGetFinancing, please refer to our Privacy Policy https://wegetfinancing.com/privacy.
No, you will not see an inquiry on your credit report from WeGetFinancing. WeGetFinancing will run your credit information through a credit bureau to properly verify your identity and refer your application to the most appropriate participating lenders. 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, though, that some lenders on the WeGetFinancing platform will verify your credit independently from WeGetFinancing. To qualify you for financing, they may pull a hard verification on your credit, which might negatively affect your credit score.
Yes. The application form will fit on any screen size across all technology platforms. You can submit an application from any mobile device, iPad, iPhone, Androids phone, tablet, or PC.
Your application for financing may be in a “Pending Mode” with some lenders while their underwriters finalize your verification. Some lenders won’t complete 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.
We recommend that you provide your full legal name and have the billing and shipping address match to avoid any red flags. Please note that all applications with a P.O Box will be automatically rejected.
A high percentage of customers’ financing requests are approved through the WeGetFinancing Gateway. However, because of the diversity of requirements from the lenders and the broad spectrum of applicants’ profiles, not all applications can be guaranteed approval. An offer of credit may not be available to you either due to your current credit status or because your information could not be verified. WeGetFinancing cannot access this information due to privacy laws, but you can contact the Credit Bureau listed on the FCRA notification or contact the lender directly.
WeGetFinancing strives to approve as many applicants as possible by regularly adding more lenders to its platform. If you were declined, please try again at a later date as our list of participating lenders is continually growing.
To reapply, you will need to return to the merchant’s web site or physical store and submit an application again. Be sure to enter all information correctly and use your full legal name.
WeGetFinancing works with numerous and diverse lending sources to cover the full credit spectrum and offer loans of varying amounts to most consumers. WeGetFinancing’s 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 proposed financing, you will have a repayment obligation to that particular bank or lender. For the application to be processed, you will first be required to agree to their Terms and Conditions and the Truth in Lending terms.
When seeking a loan or credit to complete your purchase through WeGetFinancing, 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 WeGetFinancing Terms and Conditions, you are granting WeGetFinancing the right to seek credit on your behalf. You can review these terms and conditions here https://wegetfinancing.com/consumerterms
You will find the lender’s customer service phone number either in the email confirmation sent to you by the lender at the time of approval or on your monthly statement. Alternatively, you can call WeGetFinancing’s Customer Service at 1-866-298-3757 Ext. 1, and we will provide you with that information.
If you were approved for financing at a retail location, 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.
Once you have completed your checkout and confirmed the financing with the participating lender, WeGetFinancing will authorize your merchant to process your purchase. Please contact the merchant for any updates on the status of your purchase.
WeGetFinancing’s return/cancellation policy is either 30 days from the day of purchase or based on the merchant’s return and cancellation policy, whichever comes first. It’s important to check the merchant’s return policy or contact the merchant directly for assistance. If you cannot arrive at a resolution with the merchant, you should contact the credit issuer and ask for procedures on starting a dispute or chargeback.
WeGetFinancing’s multi-lender credit program is only for U.S. citizens, permanent residents, and temporary residents legally living in the USA with a valid working social security number.

Merchants



WeGetFinancing™ is a multi-lender platform that helps merchants offer instantaneous financing, in real-time, to customers of all credit types at checkout.
WeGetFinancing works with a multitude of banks and lenders and covers the entire credit spectrum to approve more customers than a traditional lending company. Our multiple lending options and quick and hassle-free process make it easier for merchants to acquire new customers, close more sales, experience a lift in ticket size, and increase profitability.
Moreover, with WeGetFinancing, there is no need to sign up, integrate, and manage multiple purchase-finance solutions. WeGetFinancing does it all and helps analyze participating merchants’ traffic to offer the best mix of lenders to optimize conversion, always.
Consumers who have more credit available typically upgrade their purchase. It’s a fact! Merchants who let their customers know that financing is available experience an increase in traffic and in the number of closed sales.
With WeGetFinancing on your side, you will be able to offer your customers of all credit types a diversity of financing options that match their credit profile. With a single, straightforward application, your customers will be offered installment loans, revolving credit lines, and leasing programs under the best possible terms. Offering financing to your customers will not only cause an increase in conversion ratio but will also create a lift in ticket size.
Some of WeGetFinancing’s partner banks offer promotional financing that may include programs with very competitive interest rates, such as 0% financing for up to 24 months.
To apply for a WeGetFinancing Merchant account, you will need to register and agree to the terms and conditions of WeGetFinancing's Merchant Agreement https://wegetfinancing.com/merchantterms. Once approved by WeGetFinancing’s underwriting department, you will be required to agree to the T&C of each of the lenders for which you qualify. The lenders might require additional supporting documentation in order to accept your application for a merchant account. Please note that there is no setup or monthly access fee to become a WeGetFinancing participating Merchant.
Simply go to the WeGetFinancing signup page, fill out the quick registration form and select a convenient day and time to speak with one of our Merchant Account specialists. https://wegetfinancing.com/signup There is NO obligation to register.
No. Consumers who are in the process of making purchases—either at their favorite participating merchants’ websites or brick-and-mortar locations can use WeGetFinancing to obtain instant financing under the best possible terms from numerous lending sources.
No integration is required. By simply logging in to your dashboard, you will be able to send the application to the customer's email or phone and let them complete it on their own device. You have the option to receive automatic notifications and prepopulate applications from your CRM, but for most stores, you can get started right after being approved.
Yes. Through our easy to install API, or by using one of the many available third-party shopping carts plug-ins, WeGetFinancing seamlessly integrates directly into participating merchants’ shopping carts, becoming another payment option right next to Visa, MasterCard, American Express, Discover, PayPal, and more.
Yes. Our application works across all technology platforms. Once you are integrated, processing a transaction is simple from any mobile device, iPad, iPhone, Androids phone, or tablet. WeGetFinancing mobile site allows the consumer application form to fit on any screen size. By answering a minimal number of questions, your customers will be able to choose from the most comprehensive range of lending options available on the market, which means you will get more approvals and close more sales—all functionalities from a single platform.
Yes. While WeGetFinancing participating lenders have different minimum loan amount requirements, the general guideline is around $300.
Yes. While WeGetFinancing participating lenders have different minimum loan amount requirements, the general guideline is around $300.
Because of the diversity of requirements from the lenders and the broad spectrum of applicants’ profiles according to the industry you are in, there are three answers. 1. If your customer qualifies for an installment loan program, the maximum amount that can be instantaneously approved (depending on the participating merchant’s vertical) is between $35,000 and $100,000. 2. If your customer qualifies for a revolving credit program, he/she may qualify for a credit line up to $10,000. 3. If your customer qualifies for a lease to own program, he/she may be credit eligible for up to $10,000.
WeGetFinancing’s return/dispute policy is either 30 days from the day of purchase or based on the participating merchant’s return and cancellation policy, whichever comes first. Participating merchants must make sure that their cancellation and return policy is provided to their customers at all times by clearly posting it on their web site or through a merchant assistance toll-free number. Please note that if the customer cannot arrive at a resolution with the merchant, they will have the option to contact the credit issuer and ask for procedures on how to start a dispute or chargeback.
Once the WeGetFinancing option is made available on a participating merchant’s website or brick-and-mortar store, customers of all credit types will be given the ability to apply for instantaneous financing while only providing a minimum amount of personal information.
WeGetFinancing strives to approve as many applicants as possible by regularly adding more lenders to its platform. Although a high percentage of customers’ financing requests are approved through the WeGetFinancing Gateway, because of the diversity of requirements from the lenders and the broad spectrum of applicants’ profiles, not all applications can be guaranteed approval. If your customer was declined, advise him/her to try again at a later date as our list of participating lenders is constantly growing.
At your brick-and-mortar store, depending on the type of financing for which your customer is eligible, he/she will be able to take his/her purchase home immediately. For online transactions, once you have received the funding confirmation from the lender, you should ship the item(s) sold according to the shipping arrangements selected by the customer at the time of the transaction.
No. WeGetFinancing does not charge any setup, activation, or monthly fees. When you register with WeGetFinancing, you will have the opportunity to review all of the available financing programs based on your company’s profile, industry, and average ticket size. You will then be able to view each of the lenders’ discount fee schedules for which your business qualifies, as well as any additional costs connected to special promotional programs that you may want to offer to your customers.
Upon approval, you will be provided by email with your login credentials to the WeGetFinancing back-office. Once logged in, you will have access to your personal merchant dashboard, where you will be able to view and manage all your transactions in real-time.
Email our merchant services specialists at merchantsales@wegetfinancing.com or call us at 1-866-298-3757 ext 2.

Tax Resolution



WeGetFinancing is a multi-lender platform that instantaneously provides financing at the time of checkout to customers across the credit spectrum.
WeGetFinancing'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 you would need to provide is your name, address, date of birth, and the last four digits of your social security number.
The entire process, from applying to funding, takes five easy steps.

  • 1. Collect the client’s personal information.
  • 2. Adhere to required compliance.
  • 3. Review and select from a variety of financing offers.
  • 4. Client receives and e-Signs confirmation email.
  • 5. Funds are wired directly into your business account within two business days.
Our application process is quick and hassle-free. You will only need to collect standard personal information that your clients already have at their fingertips. This includes:

  • 1. Contact info, such as name, cell phone number, email, and date of birth.
  • 2. Social security number.
  • 3. Billing address.
  • 4. Employment information.
  • 5. One reference.
WeGetFinancing provides everything you need to easily adhere to compliance requirements in a user-friendly format. You will be provided with the mandatory over the phone application script as well as the disclosure information that must be read or played to the customer prior to submitting the application. Please note that the client must verbally agree to the terms of the disclosures and that the phone call must be recorded and retrievable.
Within minutes of choosing and accepting the terms offered, your client will receive an email from confirmation@montereyfinancial.com with the financing agreement document, which will include all the repayment terms, along with a request for his/her electronic signature.
WeGetFinancing provides everything you need to easily adhere to compliance requirements in a user-friendly format. You will be provided with the mandatory over the phone application script as well as the disclosure information that must be read or played to the customer prior to submitting the application. Please note that the client must verbally agree to the terms of the disclosures and that the phone call must be recorded and retrievable.
Make sure to check junk and spam folders. If there is still an issue, please call our Merchant Support line at 866-298-3757 Prompt # 2 or email us at support@wegetfinancing.com
Your client will be asked to provide their email address, six-digit confirmation code, and ID information. Your client will then be required to scroll through the entire multi-page contract before signing and agreeing to the terms. Please note that your customer will need to copy and paste the confirmation code included in the email and click the embedded link to complete the e-signature process.
Once your client signs the electronic contract, you will receive an email that the transaction has been completed. To receive the funds, once the confirmation email is received, please send your executed service agreement to CP@montereyfinanical.com. A representative from our financing partner’s underwriting department will then contact your client to conduct a short phone verification. You will then receive an email from our financing partner, indicating the amount and when the fund transfer to your business account will be initiated.
The funds are deposited directly into YOUR business account within two business days: no waiting, no middleman, no risk.
By utilizing all underwriting tiers, in addition to the in-house financing program, you can offer financing with 100% credit approval, no matter your client’s credit score.
Yes. This great promotion is offered to all tiers. No exceptions.
High volume merchants can qualify to offer customer financing for up to $10,000 and for up to 36 months terms.
The WeGetFinancing portal allows merchants to monitor and review the application’s progress through each stage. Additionally, merchants receive regular email updates throughout the application process—from start to finish.

Our Office:
C/O Emerging Payments
Technologies, inc.
6 West End Court,
Suite #1,
Long Branch, NJ 07740

WeGetFinancing


E-mail: support@wegetfinancing.com


Support Number: 1-866-298-3757

WeGetFinancing™ is operated by Emerging Payments Technologies, a Delaware incorporated company.

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