Frequently Asked Questions - Aqua Finance

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Water Treatment, Home Improvement, HVAC, and Pool & Spa:

By logging into our Dealer Portal and choosing the funding status option on your dashboard or contacting us at 877-717-9494

For Recreation:

Through a third-party portal like AppOne.
Contact us at 877-366-8406, option 5, ext. 6015

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.

Water Treatment, Home Improvement, HVAC, and Pool & Spa

Through our Dealer Portal.
Contact us at 877-717-9494

Recreation dealers:

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 877-717-9494 for your dealer credentials.

Note: Recreation dealers, please use AppOne.
Contact us at 877-366-8406, option 5, ext. 6015

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. Contact us at 877-717-9494

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, Please contact our Customer Support Department for assistance.

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.

Water Treatment, Home Improvement, HVAC, and Pool & Spa dealers:

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 877-717-9494.

Recreation dealers:

Aqua does not provide consumer contracts. We accept documents generated by AppOne or by Bankers System or Reynolds & Reynolds (Law 553).Contact us at 877-366-8406, option 5, ext. 6015

Water Treatment, Home Improvement, HVAC, and Pool & Spa dealers:

Call us at 877-717-9494 or email [email protected].

Recreation dealers:

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. Contact us at 877-717-9494

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.

Water Treatment, Home Improvement, HVAC, and Pool & Spa dealers:

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.

Recreation dealers:

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. Contact us at 877-717-9494.

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 6015.

Water Treatment, Home Improvement, HVAC, and Pool & Spa dealers:

Call us at 877-717-9494 or email [email protected].

Recreation dealers:

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 877-717-9495, option 5, ext. 6091.

Please call our Titling Department at 877-717-9495, option 5.

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 877-717-9495, option 5, ext. 6018 or by email at [email protected].

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It’s easy and convenient to pay using our online Payment Portal, via Aqua’s third-party payment processing partner, Customer Portal. Please contact our Customer Support Department for assistance, or send us checks, money orders, or cashier’s checks by mail to: Aqua Finance, Inc., PO Box 83162, Chicago, IL 60691-0162.

Please contact our Customer Support Department for assistance. This payoff amount will be effective for 10 days from the date of your call.

Simply visit our secure Payment Portal, via Aqua’s third-party payment processing partner Customer Portal, 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, and/or sign up for e-statements.

If you’ve set up a payment or recurring payments through our online Payment Portal, via Aqua’s third-party payment processing partner  Customer Portal, you can access the history of payments processed through Customer Portal, along with your account details and monthly billing statements. For a history of payments made on Aqua’s previous payment system (BillTrust) Please contact our Customer Support Department for assistance.

Please contact our Customer Support Department for assistance

You can specify the amount of your automatic payments on our online Payment Portal, via Aqua’s third-party payment processing partner Customer Portal. If you have any questions, Please contact our Customer Support Department for assistance and we’ll be able to assist you.

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.

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.

You can choose to receive statements, either electronically or by mail, by making the selection in the Aqua Customer Portal, or Please contact our Customer Support Department for assistance.

Late fees are state-specific and will be listed on your contract.

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 for assistance and to discuss any account questions.

Please contact our Customer Support Department for assistance.

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.

Visit //www.aquafinance.com/customerportal to create an account. Log in and go to “Manage email and delivery preferences.” Select “Electronic Statement” and confirm your email.

Yes! We offer Spanish-speaking customer support. Please contact our Customer Support Department for assistance.

¡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 for assistance.

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 contact our Customer Support Department for assistance.

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.

Need further assistance?

Contact us



800-234-3663