Consumer FAQs

Why use PayFina?

PayFina empowers you to purchase the goods and services you desire when you want them. Our process is quick, easy, and stress-free, and applying won’t affect your credit score. Plus, with revolving credit lines of up to $5,000, you have the flexibility to use your account repeatedly without the need for reapplication.

How can I apply for pre-approval?

Applying is a breeze and typically takes only about two minutes. Your specific merchant or healthcare provider will provide you with the application link tailored to their location.

How long is a pre-approval good for?

Pre-approvals are valid for 30-days.

What is the maximum credit limit?

Customers may be eligible for a revolving credit line of up to $5,000, subject to credit approval.

Will applying affect my credit score?

Applying for pre-approval with PayFina does not affect your credit score, as only a soft credit inquiry is made to determine creditworthiness and establish your credit limit and terms. However, should you accept the pre-approved offer, a hard credit inquiry will be conducted, which could have an impact on your credit score.

Do you accept co-applicants?

We do not. However, you can combine an additional approval from another member of the household.

How do I make a purchase with my PayFina Credit Account?

After approval, let the merchant or healthcare provider know you’d like to use your PayFina Credit Account. They will input the purchase information, and you’ll receive a text message for your confirmation. It’s that simple.

Do I need to reapply if I want to make future purchases using my PayFina Credit Account?

No need to reapply! Your revolving credit account allows you to make repeat purchases without the hassle of reapplying.

What do I do if I suspect I have become a victim of fraud or identity theft?

If you suspect fraud or identity theft, please contact us immediately at (855) 595-4545 to report the issue. Our team will assist you in taking the necessary steps to secure your account and investigate any unauthorized activity. Your security is our top priority.

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