We value your time! Our two step process should take you less than 10 minutes to complete. Completing the application process will take you approximately 3 to 5 minutes and it should take no more than 2 minutes for our system to process your application. You will receive one of the following responses to your retail financing credit application:
(1) Application Forwarded to a Local Springleaf Financial Services Branch Office: The application will be forwarded to the specified Springleaf Financial Services branch, where a loan specialist will contact you within 1 business day.
(2) Denied: Unfortunately, your application has been denied and we will be unable to assist you with your credit needs at this time. A statement of credit denial will be mailed to you within the next 30 days.
(3) Conditionally Approved: You have been approved, pending verification of the information you provided. Please make note of your application number for further reference. You will need to proceed to your selected merchant and provide the merchant with your approved application number and verification of identification (i.e., driver's license).
(4) Further Review: The application requires further review from one of our loan specialists, and a decision will be sent to you via email within 24 hours.
The information below provides an outline of what you will need for the Springleaf Financial Services retail financing application. Please note that when applying jointly, the information below must be provided by both the primary borrower and the co-applicant. (1) Information Needed to Receive an Online Response:
(2) Close the Request at the Branch/Merchant:
If you have misplaced your retail financing application number, please contact the Springleaf Financial Services merchant to proceed with your financing.
If you received a 'Conditionally Approved', decision for a retail financing credit application, please note your application number and proceed to the merchant that you selected at the beginning of the application process (the merchant information is provided on the credit approval page). This conditional approval, subject to verification of your application information, is valid for 30 days after it is issued.
'Further review' status means that your retail financing application requires further review by an Springleaf Financial Services loan specialist. Rather than making you wait online while this process takes place, we will send the decision regarding your credit application via email within 24 hours.
Springleaf Financial Services has relationships with thousands of merchants across the country who offer all types of consumer products from home furnishings and appliances to musical equipment and electronics. This relationship allows the customer to make purchases with these merchants using Springleaf Financial Services' retail financing.
In order to approve a retail financing request, Springleaf Financial Services must first verify certain aspects of the application, such as the applicant's identity and employment information.
A valid driver's license or current passport can be used to verify identity.
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Springleaf Financial Services is an Equal Housing Lender.
*All loans are subject to our normal credit policies and may be subject to maximum or minimum size restrictions, which vary by state. We make loans above the illustrative amount(s) mentioned in this advertisement, but the maximum loan size depends on your credit history, with larger loans only available to a small number of highly qualified applicants for vehicle-secured loans. Some vehicles, such as those used commercially or salvage/branded titles, may not be used as collateral. Additional loan size limits may apply to loans secured by discontinued vehicle models.
AZ: Loans under $10,000 made by Springleaf Financial Services of Arizona, Inc. Loans over $10,000 made by Springleaf Home Equity, Inc. Loans also made by Springleaf Consumer Loan, Inc. CA: Loans made pursuant to a California Department of Business Oversight Finance Lenders License. HI: Loans made by Springleaf Financial Services of Hawaii, Inc. MT: Loans made by Springleaf Consumer Loan, Inc., 600 NW 2nd Street, First Floor, Evansville, IN 47708. NJ: Loans made by Springleaf Consumer Loan, Inc., principal office: 600 NW 2nd Street, First Floor, Evansville, IN 47708 (800) 701-7916, licensed by the NJ Department of Banking and Insurance. NY: Loans made by Springleaf Financial Services of New York, Inc. Licensed Lender - NY State Department of Financial Services. OR: Loans made by Springleaf Financial Services, Inc. and Springleaf Consumer Loan, Inc. PA: Loans made by Springleaf Financial Services of Pennsylvania, Inc. and Springleaf Consumer Loan, Inc., both licensed by the PA Department of Banking and Securities. RI: Loans made by Springleaf Consumer Loan, Inc., Rhode Island Licensed Lender and Licensed Small Loan Lender. TX: Loans made by State Financial Services - Springleaf, Inc., 601 NW 2nd Street, Evansville, IN 47708 and by Springleaf Consumer Loan, Inc., 600 NW 2nd Street, Evansville, IN 47708. WA: Loans made by Springleaf Financial Services of Washington, Inc. (CL-36167); Springleaf Consumer Loan, Inc. (CL-937358); and Springleaf Financial Services, Inc. (CL -1056). WV: Loans originated and serviced by Springleaf Home Equity, Inc.
For residents of the State of Washington only: Springleaf Financial Services of Washington, Inc. - Consumer Loan Company License - NMLS #36167; Springleaf Financial Services, Inc. - Consumer Loan Company License - NMLS #1056; Springleaf Consumer Loan, Inc. - Consumer Loan Company License - NMLS #937358; Springleaf Mortgage Services, Inc. - Consumer Loan Company License - NMLS #931153. Click here for the NMLS Consumer Access Database