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Frequently asked questions

What does DigniFi do?
We offer access to fast, flexible financing for a variety of vehicle needs. Learn more at Why DigniFi?

Prequalifying for DigniFi Financing

How do I get prequalified for DigniFi financing?

It’s easy. Just fill out your name, address, email, SSN and DOB to find out if you are prequalified. You’ll be notified of a decision — and how much you potentially qualify for — within a few minutes.

Will getting prequalified affect my credit score?

No. Getting prequalified will let you know if you’re eligible for financing. 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. If you’d like to apply for financing, you have 30 days to do so after prequalifying. Once those 30 days are up, you can go through the prequalification process again.

If I prequalify for a certain amount, is that how much I will be able to finance?

Not necessarily. Your final offer may be the same, but it may also be higher or lower. To know precisely what your financing amount will be, complete the full application after you’ve been notified that you’ve been prequalified.

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.

Applying for DigniFi Financing

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 live in a state where DigniFi is available. Can I still apply? 

Unfortunately, we can’t provide financing for customers outside of our participating states. We currently don’t operate in Massachusetts, North Dakota, Vermont, or West Virginia. 

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.

About My DigniFi Financing

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.

  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.

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.

Managing My DigniFi Payments

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.

Need more support?

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