Dealers and borrowers, find all the answers to your frequently asked questions here.
By logging into our Dealer Portal and choosing the funding status option on your dashboard or contacting us at 800-234-3663, option 4, ext. 6096.
Through a third-party portal like AppOne.
In addition to our standard program and promotions, we may offer special promotions that can be added or removed at any time. For more information about our programs and promotions, please contact us.
No. You are not able to offer split financing and use two finance companies for a customer.
To learn about our current promotions, please contact us.
Applications must be submitted via AppOne.
Still have questions? Feel free to call us at 877-366-8406, option 5, ext. 6015.
The Dealer Portal allows Water Treatment, Home Improvement, HVAC, and Pool & Spa dealers and contractors to submit applications, create finance documents, view funding status, and access reports, promotional information, and sales training.
Recreation dealers can submit applications, create finance documents, and view stipulation status using AppOne.
This information can be found on your dealer welcome packet. You can also call our Marketing Department at 800-234-3663, option 4, ext. 6094 for your dealer credentials.
Note: Recreation dealers, please use AppOne.
Applying is as easy as completing our Dealer Inquiry Form. An Aqua representative will be in contact with you to initiate the application process, generally within 2 business days. Note: Recreation dealers must also be signed up with AppOne.
We fund through daily ACH direct deposit to your bank account when a job is complete.
For Recreation dealers, we fund once the original contracts have been received, reviewed, and approved. This usually occurs within 48 hours of receipt.
Enrolling with us is free and there are no monthly membership charges or volume minimums to meet.
We provide training and sales support, including manuals, webinars, and visits from our knowledgeable staff who understand your business and can help you grow. Your success is our success.
For Recreation dealers, we encourage you to schedule a training session for your team today. Call us at 877-366-8406, option 5, ext. 6015.
Your dealer number can be found on the welcome packet provided to you at the time of approval. If you have misplaced this packet or did not receive one, please give us a call.
Water Treatment, Home Improvement, HVAC, and Pool & Spa dealers, call 800-234-3663, option 4, ext. 6094.
Recreation dealers, call 877-366-8406, option 5, ext. 6015.
The Master Dealer Agreement (MDA) is the agreement between the dealership and Aqua Finance that outlines the terms of the relationship.
We fund through daily ACH direct deposit to your bank account when a job is complete.
For Recreation dealers, we fund once the original contracts have been received, reviewed, and approved. This usually occurs within 48 hours of receipt.
We will provide you with the consumer contracts that we accept for funding. You can use our Dealer Portal to create documents to print from your own printer or obtain an electronic signature. You can also request documents be mailed to your dealership at 800-234-3663, option 4, ext. 6094.
Aqua does not provide consumer contracts. We accept documents generated by AppOne or by Bankers System or Reynolds & Reynolds (Law 553).
Call us at 800-234-3663, option 4, ext. 6094 or email [email protected] .
Call us at 877-366-8406, option 5, ext. 6015 or email [email protected] .
The right-to-cancel period is required for all in-home sales of Water Treatment, Home Improvement, HVAC, and Pool & Spa products. This is a period in which a customer can choose to cancel the transaction by providing notice to the dealership.
We will issue a notice of funding remittance to the designated email or fax number provided for your dealership. If you need to update this information, please give us a call.
We provide training and sales support, including manuals, webinars, and visits from our knowledgeable staff who understand your business and can help you grow. Your success is our success.
For Recreation dealers, we encourage you to schedule a training session for your team today. Call us at 877-366-8406, option 5, ext. 6015.
Non-recourse means that if a customer does not pay their amount owed, we will not collect the payments from the dealership. Our finance contracts are non-recourse unless a dealer breaches the warranties and representations set forth in the Master Dealer Agreement (MDA).
We aim to work with dealers in a manner that supports their business. Those that already work with a broker or service provider are likely best served that way. The same programs apply whether you work with us directly or through a broker or service provider.
We service all our own accounts and take pride in approving consumers and then striving to provide them with world-class service. When your customers call us, they’ll be speaking with the same friendly, well-trained employees you’ve come to know.
For Recreation dealers, we offer two financing programs. Our Marine & RV “A Program” is serviced by Connexus Credit Union while our Marine & RV “B Program” is serviced by Aqua.
We strive to provide the highest level of dealer support and believe this differentiates us from our competitors – we know your business. Our dedicated outside sales representatives and inside sales support are available to give your business individual attention, while our innovative technology allows you to take advantage of speed and convenience and be more efficient.
For Water Treatment, Home Improvement, HVAC, and Pool & Spa dealers, costs will vary depending on the customer’s credit score. The two most common costs are the risk discount amount and the promotional fee. Other state fees may also apply.
Recreation dealers are charged no fees directly from Aqua; however, additional fees vary depending on state fee schedules. For questions about a specific deal, give us a call at 877-366-8406, option 5, ext 6040.
Call us at 800-234-3663, option 4, ext. 6094 or email [email protected] .
Call us at 877-366-8406, option 5, ext. 6015 or email [email protected] .
Water Treatment, Home improvement, HVAC, and Pool & Spa dealers can access E-Sign from our Dealer Portal on a tablet, laptop, or desktop computer, via our Orbit app on their mobile phone, in the home with a customer, or remotely via email.
For Recreation dealers, we accept e-signatures via DocuSign and Adobe Sign with Lexis Nexis verification.
Please call our Account Servicing Department at 877-366-8406, option 5, ext. 6091.
Please call our Titling Department at 877-366-8406, option 4.
All title applications/previous titles need to be fully completed before being submitted to the state office, and they must include notarized customer signatures if required by the state issuing the title.
We follow each state’s specific regulations, which can vary by size/length of units and trailer weight. If a unit requires a title, we’ll need the actual paper title and notice of lien to perfect the lien. We file UCCs on units that don’t require titles unless a dealer is specifically set up with us to file UCCs.
The Titling Department can be reached at 877-366-8406, option 5, ext. 6018 or by email at [email protected] .
It’s easy and convenient to pay using our online Payment Portal, PayNearMe. You can also call us at 800-234-3663, option 4, ext. 6091 or send us checks, money orders, or cashier’s checks by mail to: Aqua Finance, Inc., PO Box 83162, Chicago, IL 60691-0162.
Please call our Customer Support Department at 800-234-3663, option 4, ext. 6091 for an accurate payoff quote. This payoff amount will be effective for 10 days from the date of your call.
Simply visit our secure Payment Portal, PayNearMe, and click “Sign Up Here.” Enter your Account Number (from your last statement) and ZIP Code to register your account. From there, you will need to set up your login details by entering your email address or mobile number and creating a new password. You can use your online account to make payments, see your billing statements, sign up for e-statements and update your contact information.
If you’ve set up a payment or recurring payments through our online Payment Portal, PayNearMe, you can access the history of payments processed through PayNearMe, along with your account details and monthly billing statements. For a history of payments made on Aqua’s previous payment system (BillTrust) you can call our Customer Support Department at 800-234-3663, option 4, ext. 6091.
Please call 800-234-3663, option 4, ext. 6091 and we’ll be able to assist you.
You can specify the amount of your automatic payments on our online Payment Portal, PayNearMe. If you have any questions, please contact our Customer Support Department at 800-234-3663, option 4, ext. 6091 and we’ll be able to assist you.
Same-day payments can be scheduled up to 6 pm ET. After 6 pm ET, you’ll be able to schedule a payment that will be applied to your account on the next business day, excluding holidays and weekends.
No, we generally don’t accept credit card payments. We accept checks and money orders, or you can make a payment by phone with your checking account information. Please contact our Customer Support Department at 800-234-3663, option 4, ext. 6091 for more information.
We always encourage consumers to make additional payments and/or pay off their accounts early to reduce interest owing over the long term. We do not charge any fees or penalties for paying off your account early. If your account is current with no outstanding charges (e.g., late fees), we will automatically apply all payments in excess of the monthly minimum to your principal balance. Please contact our Customer Support Department at 800-234-3663, option 4, ext. 6091 for assistance.
We send monthly statements for all account types except Retail Installment Contract accounts that use Aqua’s recurring ACH payment service (also known as automatic withdrawals). You can choose to receive statements, either electronically or by mail, by making the selection in the Aqua Payment Portal or PayNearMe, or by contacting our Customer Support Department at 800-234-3663, option 4, ext. 6091.
Late fees are state-specific and will be listed on your contract. Please contact our Customer Support Department at 800-234-3663, option 4, ext. 6091 for more details.
If you think your monthly statement is inaccurate, it may be because you mailed in or made a payment that is not yet reflected on your statement. Please contact our Customer Support Department at 800-234-3663, option 4, ext. 6091 for your current balance and to discuss any account questions.
If you need assistance, contact our Customer Support Department at 800-234-3663, option 4, ext. 6091.
You chose an offer where interest accrues during a promotional period, but the interest is waived if you pay your account in full by the promotion end date. The promotion end date appears on your monthly statements.
Minimum monthly payments are required during the promotional period. During this time your account accrues interest. If you do not pay the principal amount in full by the promotion end date, you will owe the balance of the account plus all accrued interest. The required minimum monthly payments will be allocated to accrued interest first before paying down the principal balance.
Yes! We offer Spanish-speaking customer support. Visit our Contact us page for further details.
¡Si! Nosotros ofrecemos servicio al cliente en español. Visite nuestra página en Contáctanos para más detalles.
To add an authorized person to your account, please contact our Customer Support Department at 800-234-3663, option 4, ext. 6091.
We’re always happy to try to help. If you have an issue with a dealer, contractor, or retailer for a product or service you financed with your account, we encourage you to contact them first so they can attempt to address the issue. If you still have any concerns, please reach out to one of our representatives at 800-234-3663, option 4, ext. 6091.
The Consumer Financial Protection Bureau (CFPB) has a financial empowerment toolkit available on its website.
Your title will be released and mailed to the address we have on file for you within 10 days of us receiving your payment. If you would like us to mail your title to a third party at your request or if you’d like to receive it sooner, please contact our Titling Department at 877-366-8406, option 4.
One Corporate Drive, Suite 300
Wausau, WI 54401
[email protected]
800-234-3663
Aqua Finance, Inc.’s NMLS identifier is #1082164 which may be verified at NMLS Consumer Access.
Aqua Finance, Inc.’s California Debt Collection License is #11319-99
Michigan Aqua Finance, Inc.’s NMLS identifier is #1082164 which may be verified at NMLS Consumer Access.
For residents of New York City, New York:
Aqua Finance, Inc. provides servicing options that allow for verbal communication in Spanish. Aqua Finance, Inc. provides servicing and collection letters in Spanish. A translation of commonly used terms is available on the NYC Department of Consumer and Worker Protection website at nyc.gov/dca.
For Residents of New Mexico:
Click here to access the New Mexico Informational Brochure for Consumers including important information about terms and definitions in credit transactions as required by New Mexico law.
Click here for general information regarding loans and fees for consumers in New Mexico.
NEW MEXICO ONLY: TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL:
Chief Compliance Officer
One Corporate Drive Suite 300
Wausau, WI 54401
1.800.234.3663
New Mexico Only: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504.
To report any unresolved problems or complaints, contact the Division by telephone number (505) 476-4885 or visit the website: https://www.rld.nm.gov/financial-institutions/
For Vermont loans:
For any Vermont loans not originated by Aqua Finance, Inc.: THIS IS A LOAN SOLICITATION ONLY. AQUA FINANCE, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.
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