Aqua help center: FAQs for dealers and borrowers

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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 800-234-3663, option 4, ext. 6096.

For Recreation:

Through a third-party portal like AppOne or Dealertrack.

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.

Recreation dealers:

Applications must be submitted via AppOne or Dealertrack.

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. With Dealertrack, they can submit applications and view stipulation status.

This information can be found on your dealer welcome packet. You can also call our Marketing Department at 800-234-3663, option 4, ext. 6094 for your dealer credentials.

Note: Recreation dealers, please use AppOne or Dealertrack.

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 or Dealertrack.

Enrolling with us is free and there are no monthly membership charges or volume minimums to meet.

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, call 800-234-3663, option 4, ext. 6094.

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 800-234-3663, option 4, ext. 6094.

Recreation dealers:

Aqua does not provide consumer contracts. We accept documents generated by AppOne or by Bankers System or Reynolds & Reynolds (Law 553).

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

Call us at 800-234-3663, option 4, ext. 6094 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.

No, we are an indirect lender and your customers cannot apply directly with us. We work directly with your dealership until funded. Then we purchase the finance contract from you and work with the borrower to collect monthly payments.

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.

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.

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 6040.

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

Call us at 800-234-3663, option 4, ext. 6094 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 877-366-8406, option 5, ext. 6091.

Please call our Titling Department at 877-366-8406, option 4.

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 877-366-8406, option 5, ext. 6018 or by email at [email protected]

Filters

With the exception of Retail Installment Contract Loans on recurring ACH payments, we’ll send a monthly statement to the mailing address we have on file for you. If your mailing address has changed, please contact our Customer Support Department at 800-234-3663, option 4, ext. 6091.

Late fees are state-specific and will be listed on your contract. Please contact our Customer Support Department at 800-234-3663, option 4, ext. 6091 for more details.

Your enrollment token is a series of 10 capital letters highlighted in yellow at the bottom left corner of your monthly statement. Use the token to sign up for our Payment Portal to make payments and conveniently access your account online.

Yes. You can use your revolving credit account for additional purchases from the same dealer, contractor, or retailer, for items permitted under the dealer’s credit guidelines, such as new equipment, services, or products. Note that this applies to eligible revolving credit accounts only.

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 at 800-234-3663, option 4, ext. 6091 for your current balance and to discuss any account questions.

When you sign up for our Payment Portal, we’ll send you a confirmation email (check your spam folder) that you need to complete registration. If you still need assistance, contact our Customer Support Department at 800-234-3663, option 4, ext. 6091.

Interest accrues daily but is waived in full if you pay your total principal balance within the promotional period disclosed in your monthly statement. If your principal balance is not paid in full by that date, interest will be imposed from the date of purchase at the interest rate disclosed in your monthly statement and Retail Installment Contract. Minimum payments are due monthly on a Same-as-Cash promotion.

Your title will be released and mailed to the address we have on file for you after the payoff has cleared our bank. We can also mail the title to a third party at your request. If you need your title overnighted after your final payment has cleared our bank, please contact our Titling Department at 877-366-8406, option 4.

It’s easy and convenient to pay using our Payment Portal or by phone at 800-234-3663, option 4, ext. 6091. We also accept checks, money orders, and cashier’s checks by mail to: Aqua Finance, Inc., PO Box 83184, Chicago, IL 60691-0184.

Payments are first applied to fees (e.g., non-sufficient funds (NSF) and late fees) and interest currently accrued. All remaining amounts are applied to your principal balance.

Please call our Customer Support Department at 800-234-3663, option 4, ext. 6091 for an accurate payoff quote.

Simply visit our secure Payment Portal and click “Enroll now.” You’ll need your 10-letter enrollment token (highlighted in yellow at the bottom left corner of your monthly statement). Complete your registration by following the confirmation email you receive (please check your spam folder). Next, log in to the Payment Portal with your account number (that starts with a capital letter) and password to manage your account, make payments, and get billing notifications by email.

Your monthly statements include your payment history. You can also view your online payment history through the Payment Portal. To check payments made to your account between statement periods or for your complete payment history, please call our Customer Support Department at 800-234-3663, option 4, ext. 6091.

Please call 800-234-3663, option 4, ext. 6091 and we’ll be able to assist you.

Please contact our Customer Support Department at 800-234-3663, option 4, ext. 6091 and we’ll be able to assist you.

Same-day payments can be scheduled up to 3 pm ET. After 3 pm ET, you’ll be able to schedule a payment for the next business day, excluding holidays and weekends.

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. Please contact our Customer Support Department at 800-234-3663, option 4, ext. 6091 for more information.

No. As an indirect consumer finance company, we acquire your contract from dealers, contractors, and retailers across the U.S. After your dealer, contractor, or retailer grants you credit and assigns your contract to us, you work with us to manage your payments and address any customer service needs you may have.

Yes! We offer Spanish-speaking customer support and can provide you with servicing and collection letters in Spanish. Visit our Contact us page for further details.

¡Si! Nosotros ofrecemos servicio al cliente en español y podemos proporcionar cartas de servicio y cobro en español. Visite nuestra página en Contáctanos para más detalles.

To add an authorized person to your account, please contact our Customer Support Department at 800-234-3663, option 4, ext. 6091.

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 reach out to one of our representatives at 800-234-3663, option 4, ext. 6091.

The Consumer Financial Protection Bureau (CFPB) has a financial empowerment toolkit available on its website.

Not seeing your answer?

Contact us

One Corporate Drive, Suite 300
Wausau, WI 54401
[email protected]
800-234-3663