Finance Info

0% Financing for 12 months*

Frequently Asked Questions

1. How Does It Work?
2. What Information Do I Need?
3. I received a 'Conditionally Approved' decision on my application. Where do I go now?
4. I received a 'Further Review' decision on my application. What does this mean?
5. What type of ID is needed for verification?

Terms:

*12 months Same As Cash. Finance Charges accrue from the date of sale unless the Same As Cash plan balance is paid in full prior to the Same As Cash expiration date, in which case they are waived. Regular credit terms apply after the Same As Cash period expires. Annual Percentage Rate 17.90%. Minimum Finance Charge: $2.00. Terms subject to change without notice. Subject to credit approval. See Account Agreement for complete information and important disclosures. Other open-end and closed-end credit plans may be available. Ask seller for details. All credit plans subject to normal credit policies.

 

How Does It Work?

We value your time! Our two-step process should take you less than 10 minutes to complete. Completing the application process will take you approximately 3 to 5 minutes and it should take no more than 2 minutes for our system to process your application. You will receive one of the following responses to your online loan or retail financing credit application:

(1) Application Forwarded to a Local AGFS Branch Office:
The application will be forwarded to the specified AGFS branch, where a loan specialist will contact you within 1 business day.

(2) Denied:
Unfortunately, your application has been denied and we will be unable to assist you with your credit needs at this time. A statement of credit denial will be mailed to you within the next 30 days.

(3) Conditionally Approved (Applies to retail financing only):
You have been approved, pending verification of the information you provided. Please make note of your application number for further reference. You will need to proceed to your selected merchant and provide the merchant with your approved application number and verification of identification (i.e., driver's license).

(4) Further Review (Applies to retail financing only):
The application requires further review from one of our loan specialists, and a decision will be sent to you via email within 24 hours.

What Information Do I Need?

The information below provides an outline of what you will need for the AGFS online loan and retail financing applications, as well as for closing the loan at an AGFS branch or an AGFS merchant. Please note that when applying jointly, the information below must be provided by both the primary borrower and the co-applicant.
(1) Information Needed to Receive an Online Response:

• Name
• Address
• Phone Number (required for primary borrower only)
• Date of Birth
• Social Security Number
• Email Address
• Employer's Name
• Net Monthly Income
  

I received a 'Conditionally Approved' decision on my application. Where do I go now?

If you received a 'Conditionally Approved', decision for a retail financing credit application, please note your application number and proceed to the merchant that you selected at the beginning of the application process (the merchant information is provided on the credit approval page). This conditional approval, subject to verification of your application information, is valid for 30 days after it is issued.

I received a 'Further Review' decision on my application. What does this mean?

'Further review' status means that your retail financing application requires further review by an American General Financial Services loan specialist. Rather than making you wait online while this process takes place, we will send the decision regarding your credit application via email within 24 hours.

What type of ID is needed for verification?

A valid driver's license or current passport can be used to verify identity.