How do I get prequalified for DigniFi financing?
It’s easy! Just scan the dealership’s QR code on their DigniFi point-of-sale material, visit DigniFi.com, and click Get Prequalified. Simply fill out your name, address, email, SSN, mobile # and DOB to see if you are prequalified. Customers can see if they get prequalified in less than a minute, and the potential amount provided within a few minutes.
Will getting prequalified affect my credit score?
No! Getting prequalified will let you know if you’re eligible for financing and won’t affect your credit score. If you are prequalified, you will be notified of a potential financing amount and receive an invitation to proceed with the formal application process.
What type of credit check does DigniFi perform?
DigniFi performs a soft credit inquiry to determine whether you are prequalified without affecting your credit score. If you are prequalified, you can confidently move forward with the application for financing. An application does not guarantee approval. If your application is approved and you accept our financing offer, DigniFi will perform a hard credit inquiry. In other words, you can prequalify and apply with DigniFi without affecting your credit score, and a hard credit inquiry will only be performed if you decide to proceed with DigniFi for financing.
If I get prequalified, do I have to take the loan?
No. Getting prequalified lets you know approximately how much financing you may be eligible for. Your offer is valid for 30 days. Once those 30 days are up, you can go through the prequalification process again.
How will I find out if I’ve been prequalified?
After submitting your prequalification, you’ll see the amount you’ve been prequalified for. We’ll also email you with the results. If you do not get prequalified, you’re welcome to try again in 30 days.
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 and state laws 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?
Your application and credit information is reviewed to determine the maximum loan or credit amount you qualify for. If you need more than your maximum DigniFi offered amount, work with your vehicle dealership or service center to pay the difference.
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?
The dealership can 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 an interest rate based on your credit history. Rates range from 9.99% to 36.00% APR*. The APR offered is specific to each customer.
What does it mean when I am approved for the deferred interest promotion?
The 6-month deferred interest promotional plan is known as the DigniFi ExpressWay revolving line of credit.
DigniFi ExpressWay customers**: Our 6-month deferred interest promotional offer is available on all approved purchases of $350 or more using the DigniFi ExpressWay revolving line of credit. 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. A minimum monthly payment is required. The required minimum monthly payments may not pay off the promotional purchase by the end of the promotional period.
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.
What does it mean when I am approved for the 90-day interest waived installment loan?
The 90 days interest waived installment loan is known as the DigniFi Roadway installment loan*. You may receive 90 days of 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 your scheduled payments on time and pay off your loan in full within the first 90 days.
What if I am approved with financing without a promotional offer?
From time to time, we may offer one or more promotional credit offers 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 promotion. If you have any questions about 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 review your documents at any time when you log into your online customer account via sign into your account (actual URL is http://app.dignifi.com/users/sign_in)
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. 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 with 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 Roadway installment loan?
There are several ways to make DigniFi installment loan payments:
How can I make a payment on my DigniFi ExpressWay revolving line of credit?
There are several ways to make DigniFi Expressway revolving line of credit payments:
Do I have to reapply each time I want to use DigniFi financing?
If you are approved for a DigniFi ExpressWay revolving line of credit, you’re all set to make multiple purchases! 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 to review you for a credit line increase.
*All credit products are issued by WebBank. The DigniFi Interest Waived Program applies to all approved customers. Interest will be charged to your account from account opening at 9.99%‐36.00% APR 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. The application generally takes a few minutes. All applications are subject to approval pursuant to standard underwriting criteria. The maximum approved amount, terms, and the Annual Percentage Rate (APR) will be based on an evaluation of credit history. WebBank funds the repair amount once repairs are completed, and documents are executed.
† Depending on program used, an origination fee is 3-4%.
**All DigniFi ExpressWay credit cards are issued by WebBank. An annual fee of up to $79 may apply. Six-month deferred interest promotional offer is available on all approved purchases of $350 or more using the DigniFi ExpressWay credit 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. A 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. Regular account terms apply to non-promotional purchases and, after promotion ends, to your promotional purchases. Please see any special promotion advertising or other disclosures provided to you for the full terms of any special promotion offered. All applications for credit are based on an evaluation of credit history. The annual percentage rate (APR) ranges from 27.99%–36%. If you are charged interest, the charge will be no less than $2.00. Additionally, pricing may vary based on your ExpressWay transaction amount, between $350–$7,500, in combination with the monthly term of your Promotional Credit Plan. Your final APR will be illustrated on your final purchase receipt, emailed to you at the time of the transaction, and located by logging into your account.
*All credit products are issued by WebBank. The DigniFi Interest Waived Program applies to all approved customers. Interest will be charged to your account from account opening at 9.99%‐36.00% APR 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. The application generally takes a few minutes. All applications are subject to approval pursuant to standard underwriting criteria. The maximum approved amount, terms, and the Annual Percentage Rate (APR) will be based on an evaluation of credit history. WebBank funds the repair amount once repairs are completed, and documents are executed.
† Depending on program used, an origination fee is 3-4%.
**All DigniFi ExpressWay credit cards are issued by WebBank. An annual fee of up to $79 may apply. Six-month deferred interest promotional offer is available on all approved purchases of $350 or more using the DigniFi ExpressWay credit 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. A 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. Regular account terms apply to non-promotional purchases and, after promotion ends, to your promotional purchases. Please see any special promotion advertising or other disclosures provided to you for the full terms of any special promotion offered. All applications for credit are based on an evaluation of credit history. The annual percentage rate (APR) ranges from 27.99%–36%. If you are charged interest, the charge will be no less than $2.00. Additionally, pricing may vary based on your ExpressWay transaction amount, between $350–$7,500, in combination with the monthly term of your Promotional Credit Plan. Your final APR will be illustrated on your final purchase receipt, emailed to you at the time of the transaction, and located by logging into your account.
