Consumers Frequently Asked Questions
What is WeGetFinancing?
WeGetFinancing is a multi-lender platform that instantaneously provides financing at the time of checkout to customers across the credit spectrum.
What type of information will I need to provide to WeGetFinancing?
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.
Why was I prompted to provide my checking account information on my application?
Depending on your credit profile and the purchase price, some lenders may ask you for your checking 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.
Will WeGetFinancing debit my checking account?
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.
How does WeGetFinancing make sure that my personal information is secure?
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.
Do you store any personal information?
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
Does applying for WeGetFinancing affect my credit score?
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.
Can I submit an application through a mobile device?
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.
Why is my loan still processing?
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.
Why was my identity unable to be verified?
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.
Why was my loan/credit offer 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.
How can I reapply?
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.
To whom is my repayment obligation?
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.
What are the WeGetFinancing terms to which I’m required to agree?
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
How do I find the phone number and contact information of the lender who provided me with financing?
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.
Do I need to wait to complete my payment obligations before taking home my purchase?
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.
How do I find out the status of my 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.
I need to cancel/return the item that I purchased using WeGetFinancing. What should I do?
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.
Can I use WeGetFinancing multi-lenders programs if I am not a U.S. citizen?
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.