We’re here to help you get the most from DigniFi.

Is my personal information secure with DigniFi?

DigniFi takes the security of your personal information extremely seriously. We maintain physical, electronic, and procedural safeguards that comply with federal law and implement appropriate information security protocols. See our privacy policy for more information.

What if I need more money than I’m approved to finance with DigniFi?

All of your application and credit information is reviewed to figure out the maximum loan amount you qualify for. If you need more than your maximum DigniFi financed amount, work with your vehicle dealership or service center to pay the difference.

I don’t understand some of the loan terminology. Do you have a resource that can help me?

Yes. See our Disclosures and Definitions page to look up financing-related terms you’ll see in the application process and in your loan documents. You can also contact us at any time for an explanation. We can’t stress how important it is for you to ask questions if there’s something you don’t understand.

Do you offer Spanish language support?

We do not support Spanish translation of our products at this time, but you can view Spanish translations of our Installment Loan Agreement, and our ExpressWay Cardholder Agreement. You can also contact us if you have any additional questions.

How will my dealer or service center know I’m approved for DigniFi financing?

If you’re working with a dealership or service center that offers DigniFi, they’re notified via email as soon as you’re approved.

How will the store look up my account?

Simply ask your dealership to look up your account using the phone number associated with your account.

What interest charges will I pay on financing through DigniFi?

You’ll be charged interest based on your credit history. Rates range from 9.99% to 36.00% APR*. This is unique to each customer.

What do I need to do to qualify for no interest?

If you are approved for financing, you’ll qualify for either our ExpressWay card or our RoadWay installment loan based on your credit history and participating dealer.

1. DigniFi ExpressWay customers**: Our 6-month deferred interest promotional offer is available on all approved purchases of $350 or more using the DigniFi ExpressWay card. No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within 6 months. If you do not, interest will be charged on the promotional purchase from the purchase date. Minimum monthly payment is required. The required minimum monthly payments may not pay off the promotional purchase by the end of the promotional period. Account must be open and current to be eligible for this offer.
   
   To put it simply, if you make a purchase of $350 or more with your ExpressWay card, you won’t be charged interest if you pay off that purchase within 6 months and make all your payments on-time.††
   
   
2. RoadWay installment loan customers*: You may receive 90-days interest waived with an installment loan. Interest will be charged to your account from account opening if the full loan amount is not paid within the first 90 days. A minimum monthly payment is required. Additional principal payments will be required to pay off the loan amount before the promotion expires. Interest will be waived if you make all of your scheduled payments on time and pay off your loan in full within the first 90 days.
   

What if I am approved with financing with a non-promotional plan?
From time to time, we may offer one or more Promotional Credit Plans for certain transactions prior to or at the time of your Purchase; however, depending on your selected dealer, you may or may not be eligible for a Promotional Credit Plan. If you have any questions around your plan, please contact our customer service center at 855-808-5861 and we’d be glad to help.

Can I print and save my e-loan documents after I sign them?
Yes! It’s important to keep a copy of your loan documents for your records. The Truth in Lending Act (TILA) disclosure can be printed or emailed to you before you electronically sign your paperless loan documents. After you sign the loan documents, a copy of them will be emailed to you. You can also review your documents at any time when you log into your online customer account.

How can I get information about my account? 

Simply sign in to your account to make payments, review your contract, apply for new financing, and more. 

How do I reset my password?

Go to the sign-in page and click the “Forgot your password?” link. Next, enter the email address associated with your account. We’ll send you an email with reset instructions. 

Can I pay off my DigniFi financing at any time?

Yes, you can pay off your loan or credit line at any time without a prepayment penalty. If you have any questions or issues around making a payment, please contact our customer service center at 855-808-5861 and we’d be glad to help. 

How can I make a payment on my DigniFi installment loan? 

There are several ways to make DigniFi installment loan payments: 

1. The easiest way to make payments is by signing in to your account and selecting “Make Payment” to see the following options:
   1. Make payments directly from your bank account for free. To make things even easier, select “Auto Pay” to set up recurring ACH payments (automatic payments that you authorize to be made on a regular billing cycle). 
   2. Use your credit or debit card through ACI Payments, Inc. for a small convenience fee of $2.50.
   3. Mail a check or money order to:
      DigniFi
      P.O. Box 205853
      Dallas, TX 75320-5853
      (Note that payments are applied the day they are received)
   4. Pay cash with PayNearMe at participating 7-11, Ace Cash Express, and Family Dollar locations for a $2.99 service fee.
      
2. Set up the online bill pay service offered by your financial institution.
   
3. Call our customer service center at 855-808-5861 and provide a bank account or debit card information. There is a convenience fee of $4.50 on all agent-assisted payments. 

How can I make a payment on my DigniFi ExpressWay Card? 

There are several ways to make DigniFi ExpressWay credit card payments: 

1. The easiest way to make payments is by signing in to your account and selecting “Manage Account and Make Payments.” Then click “Make a Payment” and use one of the following options:
   1. Make payments directly from your bank account for free.
   2. Use your credit or debit card through ACI Payments, Inc. for a small convenience fee of $2.50.
   3. Mail a check or money order to:
      DigniFi
      P.O. Box 5073
      Sioux Falls, SD 57117
      (Note that payments are applied the day they are received)
      
2. Set up and manage recurring ACH payments (automatic payments that you authorize to be made from your bank on a regular billing cycle).
   
3. Set up the online bill pay service offered by your financial institution.
   
4. Call our customer service center at 855-808-5861 and provide a bank account or debit card information. There is a convenience fee of $4.50 on all agent-assisted payments. 

Do I have to reapply each time I want to use DigniFi financing?

If you are approved for a DigniFi ExpressWay card, you’re all set! If you’re approved for an installment loan, you’ll need to reapply if you would like to use DigniFi again.

As a DigniFi ExpressWay customer, can I increase my credit line?

Yes! You may request an increase through your online dashboard, and DigniFi will run your credit again.