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One application, multiple lenders.

Get instantaneous credit for your online purchases under the best terms according to your credit profile

One application, multiple lenders!

More lenders, means more approvals. GetFinancing credit search engine identifies in seconds the best financing offers available and presents you with the absolute best deal based on your credit profile.

Instant approval, no papers needed

GetFinancing real time credit engine identifies, qualifies and approves in just seconds for the best credit product available to complete your purchase. Directly in the checkout. Hassle Free. No papers needed.

Approve customers of all credit types

GetFinancing can offer the biggest range of available offers and terms from their participating lenders, from $100 until $100,000, from no-credit check to excellent credit and you make the choice for the financing option that makes the most sense based on your needs.


Buy now choosing GetFinancing™ at INSTAsmile's checkout page.
You might be eligible for up to: $1,500*. To find out more click on the button below.



Take our Online Assessment now to see if you are suitable for an INSTAsmile.

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Who can use GetFinancing?

GetFinancing's multi-lenders credit programs only work for U.S. citizens, permanent residents, and temporary residents legally living in the USA with a valid working social security number.


  • The billing and shipping addresses must be the same.
  • The billing address of the credit/debit card must be the same as the billing address being entered. 

Who are the lenders?

In order to cover the full credit spectrum and to offer loans of varying amounts to most consumers, GetFinancing works with numerous and diverse lending sources. GetFinancing participating lenders range from large financial institutions, to private lenders and specialty finance companies. If you qualify, one or more of those lenders may offer you instant financing to enable you to pay for your purchase. Should you choose to accept the offered financing, you will have a repayment obligation to that particular bank or lender. You will be provided with the name(s) of the lender(s) for which you have been pre-qualified at the time the offer(s) is presented to you. You will then be required to agree to their Terms and Conditions as well as the Truth in Lending terms in order for the application to be processed.

Does applying for GetFinancing affect my credit score?

You will not see an enquiry on your credit report from GetFinancing. Please be aware that in order to properly verify your identity and refer your application to the most appropriate participating lenders, GetFinancing does verify your credit information through a credit bureau. However, that credit verification is a soft dip, hence invisible by others than you and engineered not to affect your credit score. It is important to note however that some lenders on the GetFinancing platform will verify your credit independently from GetFinancing and that in order to qualify you for financing, that they will pull a hard verification on your credit which might negatively affect your credit score.

How does GetFinancing work?

GetFinancing's patented state-of-the-art technology identifies, verifies, and refers applicants within seconds to the appropriate participating financing sources. In most cases, the only information that you will need to provide are:

  • Full name
  • Last 4 digits of your SSN
  • Address
  • Date of birth

Based on your credit profile and the amount of the purchase, some participating lenders may require additional information such as:

  • Annual income
  • Employment status
  • Length of time at the current residence

Occasionally, they may require to be provided with information contained in your state issued Driver's License and ask for checking your account information.


  • The billing and shipping addresses must be the same.
  • The billing address of the credit/debit card must be the same as the billing address being entered. 

How do I find the Phone Number and Contact Information of the lender who provided me with financing?

You ill find the lender's customer service phone number either in the email confirmation that was sent to you by the lender at the time of approval, or on your monthly statement. Alternatively, you can call GetFinancing's Customer Service at 1-866-298-3757 and we will provide you with that information.

How is GetFinancing paying the merchant for my purchase?

If you were approved for financing, the lender will settle directly with the merchant and you will be able to take your purchase home immediately. If shopping online, you will receive the item(s) you purchased in accordance with the shipping arrangements you selected with the merchant at the time of your purchase. If you were approved by one of our peer to peer lenders, the funds will be credited directly to your bank account and you will need to make payment arrangements with the merchant directly.

See  https://www.getfinancing.com/#how-it-works for more details.

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