How it Works?
Frequently Asked Questions
Your payoff balance is shown on your last statement or on the customer portal, Customer Portal You can also contact our customer service department at 866-418-5857 or email us at [email protected]
Unlike other financing companies, there are no penalty fees for paying off your account early. For an early payoff quote, feel free to contact our customer service department at 866-418-5857 or email us at [email protected]
Payments are auto drafted from either the checking account or debit account provided during the application process. The auto draft date is the next pay date indicated on your application. The specific date will be identified in the welcome email. – If you need to make any changes regarding your payments, feel free to contact our customer service department at 866-418-5857 or email us at [email protected]
Copies of each contract are mailed to you at the time of filling out the financing application. If you need an extra copy, feel free to contact our customer service department at 866-418-5857 or email us at [email protected]
If you need to update your banking information, please complete the attached form and email it to [email protected] If you want to update your credit card on your account or switch from having your payments deducted from your checking account to a credit card, feel free to contact our customer service department at 866-418-5857 or email us at [email protected], and we will be happy to update your account for you.
We now have the ability for customers to have multiple accounts across all our merchants. You are still only able to spend the balance of your max approval. If you are not sure where your account stands, feel free to call or email customer service at 866-418-5857/ [email protected]
Congratulations on being approved! The next step for E-Commerce merchants is to go back to the merchant website, add your desired item into the shopping cart, choose your financing terms and pay for the down payment.
Once we receive your down payment, we will pay the merchant for the item and they will then contact you regarding shipping the item to you. It’s that EASY!!
In order to cancel your financing, you must first cancel your order with the merchant. Once the merchant approves your cancellation, they will send us a cancellation email. The cancellation email will trigger the refund of any payment paid. Payments will be refunded in the same method they were made (i.e., credit card payment will be refunded back to the same card). Application fees are not refundable. Subsequently your account will be closed. You can also contact our customer service department at 866-418-5857 or email us at [email protected] with any questions or status change follow up.
PayTommorow will allow you to change your permanent pay date to a date that better fits your lifestyle. We will also allow you to move a single pay date within five days after your current pay date. Both allowances are with the understanding that a monthly payment is not skipped. Please put both request in writing and indicate if the change is permanent or one monthly payment change. You will receive an email that the payment has been changed. Requests need to be received at least 2-3 business days prior to the payment due date. Changes cannot be made on the due date.
Speak to a customer service representative to ensure the lease portion of your contract is fulfilled. This includes all lease payments (current or past due), charges for late or returned payments and any other amounts necessary to satisfy your obligations under this Lease.
- Include in the package a paper that has your name and reference your account number. If you do not know this number, please contact customer service.
- Provide customer service with the tracking information for your returning property. Your returning property needs to be received at least 5 business days prior to your first loan payment. If you are unsure of this date, check with customer service. If you keep the Property after you are supposed to return it, you will pay us an amount equal to the monthly Lease payment each month and any other amounts that may come due. This does not mean you are allowed to keep the Property after this Lease ends and any extension of this Lease will require our express prior consent.
Customer Service will confirm the address to return your item to. Larger items will be direct to a different location.
If you do not exercise your right to buy the Property at the end of the Lease (see Section 9 above), you will return it to us at a place we identify. If you do not exercise your right to buy the Property, you agree to pay a charge for excess wear at the end of the scheduled Lease term or at early termination of the Lease. The charge for excess wear will be our actual or estimated cost of repairing excess wear. We do not have to make the repairs. Excess wear is wearing that is beyond the minor wear reasonably expected to result from ordinary, everyday use of the Property, assuming that you maintain it as this Lease requires and use the Property as this Lease permits
Once the property has been assessed for wear and tear, you will receive an email either absolving you of any future financial responsibilities for the property or an invoice for excessive wear and tear. This evaluation can take up to 10 business days.
Shipping information can be obtained by reaching out to the merchant. If you need contact information for the merchant, please contact customer service at 866-418-5857 or email us at [email protected]
These issues need to be reported to the merchant as soon as possible. If you need contact information for the merchant, please contact customer service at 866-418-5857 or email us at [email protected]
At this moment this is not an allowable process. The first part of our financing is a Lease and we as the Lessor we need to finance the entire retail price of the item.
The short answer is no. Billing and shipping addresses have to match. Certain exceptions are made for items that require expert installation (i.e., tires/rims, engines).
Chime and other app type “banks” are known as “Financial Technology Companies” not banks. We can only accept bank issued debit or credit cards.