Long-term lending options are offered to shoppers who qualify based on our long-term lending partner's qualifications. If you are offered one of these options and are declined after submitting the application at checkout, you will receive instructions at the time of the decline directly in checkout. These instructions should direct you to the next steps to resolve the decline. You also may receive a notice within 30 days at the email address on file with your application that outlines the reason(s) for your denial in more detail. Additionally, depending on the long-term financing partner's policies, you may not be eligible to apply for long-term financing for 90 days.
For more information on the exact reason you were declined, please reach out to the lender directly by using the contact information here -> Long Term Lender Information