Below you can find answers to some of the most frequently asked questions.
Find Answers to the Most Common Questions
How can I find the status of my application?
Once we receive the application, you will receive instructions on how to move forward with your purchase. There are a few things which can keep your application from being finalized, however:
The down payment was declined.
The security deposit was declined.
The necessary documentation has not been submitted.
If you feel that these criteria have been met, and you still have not received notification that your purchase has been processed, you may contact us for more information.
Help! I ordered the wrong item!
In the event that you filled out an application with an item you did not intend to purchase, please contact us to let us know. Usually, changing an item will alter the price, so any forms that may have been generated after you filled out the application will need to be re-generated and re-submitted for approval.
I want to cancel my agreement
If you want to cancel before signing the financing agreement, simply contact us to let us know your name, and the date which you submitted the application. Please note that refunding the down payment and/or security deposit could take 7-10 business days and once the process is started, it is up to your financial institution to process the refund.
Please note that you may receive some automated emails after requesting cancellation for a few days. Once the system is updated with the cancellation, these emails should stop.
Unfortunately, we cannot process any refund once the financing agreement has been signed.
Why did my payment fail?
There are a number of reasons why your automatic payment would fail. These may include:
Insufficient funds - There was not enough money in the account to cover the charge.
Bank decline - The bank may have declined the transaction.
Hold on funds - Another transaction may be holding funds in your account.
We do make every attempt to notify you promptly of any automatic payment failures, however, you are ultimately responsible to ensure all weekly payments are drafted successfully.
Why was there was a second charge/attempt to charge my card?
In the financing documentation that was submitted, there was a security deposit which was required to start the contract. By signing the documention, you agreed to pay this security deposit. As long as all payments are made on time, this deposit will be returned to you at the completion of the terms of the contract.
How can I request an early payoff balance?
At any time you can request an early payoff balance. You may pay this balance with no penalty to complete the terms of your contract. Please note ant this balance will not include any recently scheduled payments, so your account may still be charged for a few weeks after paying off this balance.
How can I update my payment information
Simply login to your account to update your payment information. If you need any assistance with updating your payment information, you may contact us.
Please note that if you are changing your payment information because you have missed a payment, changing the information in our system will not remove any "late payment" markings. In the event that you have missed one or more payments, please contact us to let us know you have updated the information.
Can you take my payments from my credit/debit card?
All weekly payments are drafted using a bank routing and account number. Your debit/credit card is only used to draft the down payment and security deposits. We do require you to have and maintain a bank account which we can draft from for the duration of your financing agreement.
Can I pay monthly/bi-monthly instead of weekly?
Due to the nature of our system, we cannot accept monthly or bi-monthly payments. Our system was setup from the beginning to allow for a low down payment and small weekly payments. We are currently working with our underwriting team to find a possible solution which will allow bi-weekly or monthly payments, but for the time being we must collect your payments every week.