Financing Options

GetFinancing Credit

For the full terms and conditions for GetFinancing Credit, please click here.

What is GetFinancing Credit?

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 Security Number?

GetFinancing’s patented 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 License.

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?

Although a 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 entered incorrectly.

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 lender/bank directly.

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?

Obtaining this 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 be processed.

What are the GetFinancing terms that I am required to agree to?

When seeking a loan or credit to make your purchase through GetFinancing, 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.

How do I get in touch with my lender or bank?

You may 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 GetFinancing’s 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 purchase?

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 directly.

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. Alternatively you can call GetFinancing's Customer Service at 1-866-298-3757 and we will provide with that information.


Paypal Credit

For the full terms and conditions for Paypal Credit, please click here.

What is PayPal Credit?

PayPal Credit is a line of credit from Comenity Capital Bank that gives you the flexibility to pay for your purchase now, or pay over time. It's easy to apply and easy to use.

How does PayPal Credit work?

You can use PayPal Credit on purchases at thousands of stores that accept PayPal. It's also available for purchases on eBay and exclusively at thousands of other online stores. Here's how:
•Check out with PayPal and then choose PayPal Credit.
•Answer 2 quick questions and accept the terms.
•You'll know within seconds if you are approved.
•Look for your PayPal Credit statement notification via email.
If your PayPal Credit account is linked to your PayPal account, your offers may vary.

How do I start using PayPal Credit?

Select PayPal Credit as your payment choice during checkout. You'll be asked to provide your date of birth and the last 4 digits of your Social Security number, and then to agree to the terms and conditions to apply for a PayPal Credit account. You'll know within seconds if you are approved. And here's the cool thing: link your PayPal Credit account to your PayPal account and you'll see it as a payment option when you check out with PayPal.

How do I select PayPal Credit as my payment source?

you can simply choose that option at checkout.

How does the "No Payments + No Interest if paid in full in 6 Months" offer work?

You have the option to make no payments for 6 months on qualifying purchases. You will receive monthly statements and can make payments at any time. As long as you pay in full by the promotion expiration date, you will not be billed interest for that purchase. If you do not pay in full, interest will be calculated from the posting date (which is usually within a few days after the purchase date) and will be billed to your account.

How do I pay my PayPal Credit bill?

You'll receive monthly statements and can choose to pay in full or over time (interest charges may apply). For your convenience, once you link your PayPal Credit and PayPal accounts, you can keep track of your purchases and make payments on PayPal.com. Pay your balance due from either your PayPal balance or your bank account.

You can also mail your payments in to:


PayPal Credit
P.O. Box 105658
Atlanta, GA 30348-5658

Is there an annual fee to use PayPal Credit?

Nope! There is no annual fee to use PayPal Credit.

Do I have a Credit Line and how much is it?

Yes you do. Here's how it works: after you've been approved, Comenity Capital Bank will open a PayPal Credit account with a credit line of at least $250.

What is the Annual Percentage Rate (APR)?

The Annual Percentage Rate for standard purchases and cash advances on a PayPal Credit line is 19.99%, although some special offers have a lower, promotional APR. The Minimum Interest Charge is $2.00. Of course, you can choose to pay your entire balance by the payment due date to avoid interest charges.

What does 'Subject to Credit Approval' mean?

PayPal Credit is a credit account that you can use to make purchases and send money. Comenity Capital Bank will review and consider your credit report and other credit related information prior to opening your account and establishing your credit line. Creditworthiness is determined by Comenity Capital Bank. This process happens in a matter of seconds as part of the PayPal Credit checkout process. Once you are a PayPal Credit customer, you can use your credit line to make purchases. If you make a purchase that would cause your outstanding balance to go above your credit line, we will review your credit history and history with PayPal Credit to instantly determine whether to increase your credit line.

Do you check my credit report every time I make a purchase?

No. A credit report is reviewed when you apply for PayPal Credit and occasionally when you attempt to increase your credit line. Periodically, we'll obtain updates of your report, but these updates have no impact on your credit score. If for any reason your credit line is decreased, you'll be notified of the reason in writing.

Is there a fee for late payments?

Yes, you will be charged a late fee for each month that the minimum payment is not paid by the payment due date. The first time you're late, the amount of the late fee will be the same amount as the missed payment, up to $25. If you're late again, the late fee will be up to $35.

Does PayPal Credit protect me from liability for unauthorized charges?

Yes! PayPal Credit provides "zero fraud liability" protection, the same protection provided by most major credit cards. This means you are not responsible for unauthorized charges. And we verify your identity with top-of-mind information such as your date of birth and the last four digits of your Social Security number, so there's no account number that can be lost or stolen.