Financing

Now you can get pre-approved online for financing with just a few clicks of your mouse.
In 10 minutes or less, you’ll get pre-approval information for your ECM purchase.*

Click here to APPLY NOW and get PRE-APPROVED!

How To Use ECM’s Online Financing Service:

How Does It Work?

The American General Financing Services (AGFS) process works in two steps. First, you complete the application on-line. This generally takes from two to three minutes. Once you submit it, the second part of the process is the processing of the application. Both steps generally can be completed in less than 10 minutes.

Once your application is processed, you’ll receive one of the following responses:

1. Application Forwarded to a Local AGFS Office.
This response means the application has been forwarded to the specified AGFS branch and a loan specialist will contact you within one (1) business day.

2. Denied.
Unfortunately, your application was denied for financing from AGFS and they will send you a statement of credit denial within the next 30 days. If you are denied, please contact your sales representative at ECM as there may be alternate payment or finance plans to meet your needs.

3. Conditionally Approved.
This response means you have been approved, but the approval is pending based on verification of the information you provided. With this response, please make a note of your application number for reference. You can then contact ECM and provide one of our sales representatives your approved application number and verification of identification (i.e.-driver’s licenses.) and move forward with the buying process.

4. Further Review.
An application with this response requires further review from one of AGFS’s loan specialists. A decision will be made and sent to you via email within 24 hours.

What Information Do I Need?

The AGFS online loan and retail financing application, as well as, the closing of the loan at an AGFS branch or AGFS merchant requires the following information. If you are applying jointly, the information must be provided by both the primary borrower and the co-applicant.

1. Name
2. Address
3. Phone Number (Required for Primary Borrower Only)
4. Date of Birth
5. Social Security Number
6. Email Address
7. Employer’s Name
8. Net Monthly Income

I Received a “Conditionally Approved” Response on My Application. What Do I Do Now?

If you received a “conditionally approved” response, note your application number and contact ECM to begin your purchase process. This conditional approval is subject to verification of your application information and 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, a decision regarding your credit application will be sent to you 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 your identity.

 

*Financing only available to residents in the state of Florida.