How does the HelloRates Partner Program work?
+
The HelloRates Partner Program is quick and easy for both your business and your customers/patients. After
you complete the online enrollment form, you will receive a simple set of instructions with the steps to set
up your custom Co-Branded Portal (2 minutes). This custom loan portal allows you to offer financing to your
customers by providing access to our AI powered loan engine portal.
The platform is optimized to show only the best rates, terms and payment for each customer’s unique credit
scenario and utilizes the proprietary technology to match them with the best lending options from our
networks of 70+ top lenders.
Our AI-powered loan technology finds the best options based on each customer's unique situation, ensuring
the highest chance of approval. When results are presented, customers can follow the easy prompts to submit
their information on the provided secure custom co branded loan portal page.
The entire process takes only 60 seconds to apply and see their best loan offers and they can confidently
submit their application knowing that there will only be a soft credit pull which will not harm their credit
score. The entire process is fast, easy and intuitive and requires no hand holding or extra work from the
dealer partner.
Do I need to speak with a HelloRates program expert before signing up?
+
No, it's not necessary unless you have a unique question that isn't covered elsewhere.
In fact, most of our partners simply sign up, get started, and are up and running in less than 5 minutes.
This ease of use is one of the aspects our partners rave about most often.
We've designed the program to be so straightforward and frictionless that 98% of our new partners
self-enroll without needing any assistance from our team.
You can feel confident in the simplicity and efficiency of our process. Of course, should you need any help
or support along the way, we're always here to assist you.
Get started now
Why doesn't HelloRates have any sales reps or a sales team?
+
One thing you will notice that sets HelloRates apart from other financing company providers is that we do
not have a sales team. We only have program experts & partner support.
Why? Because the program only takes 5 minutes to get set up to begin using and we do not believe in high
pressure selling, onerous training & onboarding or any other traditional approaches that takes you away
from your core business or wastes your precious time. Our program is designed to be additive to your
business, and therefore needs no extra time, training or resources from your staff.
We take pride in being transparent with our pricing, and in providing a
measurable outsized ROI for our partners.
We see on a daily basis that the value & features that we have packed into the program, makes the
program such a no-brainer that it literally sells itself.
How does my customer get started with HelloRates?
+
Simply send your customer your Financing Portal Link via your website, email, text, or even a QR code on
printed material for easy access. They can complete the online application in seconds and will be matched
with the best options based on their current situation.
What products and services does HelloRates finance?
+
HelloRates provides financing for any product or service without any restrictions.
What types of businesses can benefit from HelloRates’ full spectrum customer financing?
+
Businesses without a financing program will find HelloRates to be an excellent solution, as it opens the
door to increased sales and profits. For businesses with existing financing programs that have credit
limitations, HelloRates serves as a perfect add-on by providing a second chance option for customers whose
credit applications have been declined by other lenders.
Do we have to switch from our current financing company?
+
No, you don't need to switch from your current financing company. Many businesses initially use our program
as a second chance when customers are declined by their primary lender. Over time, they often realize
HelloRates can handle all their financing needs.
We offer options for credit scores as low as 500, and because we don't charge per-loan fees, you can save
on the heavy fees typically charged by other companies.
Our flat-rate pricing makes it easy to see the ROI, whether you use us as a comprehensive full spectrum
financing solution or as a complementary second chance program alongside your current financing provider.
Does HelloRates offer a satisfaction guarantee?
+
Our Simple No Hassle Guarantee & Our Promise To You
We are very confident in the HelloRates Customer Financing Program and want your business to see the same
successes that over 10,000 other businesses are seeing with the program.
We put our money where our mouth is and 100% guarantee that if you actively and in good faith use the
program,* your businesses or practice will see positive results and ROI. If your business does not receive
any loan application pre-approvals within the first 45 days of starting the program, you can request a 100%
full refund of the monthly or annual fees charged. After 45 days, no refunds can be processed.
*To ensure that the program has a reasonable chance to prove its value to your business, we require that
a minimum of 5 unique loans applications be submitted on your co branded loan portal within the 45 Day
Guarantee period.
Important: Due to the upfront technical cost of the multi lender platform activations as well as the custom
co branded marketing materials we provide, the one time $149 multi lender platform activation & set up
fee is non refundable.
Terms and Conditions
Loan Application Pre-Approvals: If you successfully submit a minimum of 5 unique loan applications within
the first 45 days of program enrollment and receive zero loan application pre-approvals, your business will
be eligible for a refund.
Refund Request: You must request a refund before your 45-day period expires.
How to Request a Refund
If you meet the criteria outlined above and wish to request a refund, please contact our customer support
team at [email protected] before the 45-day period expires. Our team will review your request and process
your refund promptly. Multi lender platform activation set up fees are non refundable.
We are dedicated to your success and are here to support you every step of the way.
What’s included in the HelloRates lender platform activation fee & what benefits does it provide?
+
At HelloRates, our mission is to empower businesses by providing robust, full spectrum customer and patient
financing solutions. We believe that leading with a technology-first approach is what separates us from the
archaic world of yesteryear's customer financing programs, and we continue to invest heavily in AI, machine
learning, and the technologies that advance our ability to provide better, faster financing options to the
market.
Integration Into The Dynamic AI Powered 75+ Lender Platform to Approve 500-850 FICO scores:
Each partner benefits by being directly connected to over 75 different prime & subprime lenders within
our AI-driven machine learning loan decision engine. We also set up a unique URL for your loan portal to
allow for accurate tracking of loan applications.
Custom Co-Branded Omni Channel Marketing Material To Ensure Quick & Easy Program Success:
Additionally, to help you fully harness the power of our financing programs, every partner plan includes a
comprehensive suite of customized marketing assets, valued at over $350. These assets are specifically
customized for your business to ensure a seamless partnership and to maximize your financing success.
Below is a list of the hard & soft marketing material you’ll receive as part of the Lender Platform
Activation Fee:
- Co-Branded Loan Portal: A professionally designed loan portal and application featuring your
branding, creating a seamless experience for your customers.
- Custom QR Code: A unique QR code linked directly to your loan application, ensuring easy and
direct access for your clients.
- Custom URL: A personalized loan portal URL that includes your business name for instant
recognition, accessibility, and since it's indexed in Google, it even gives you an SEO boost.
- Website Trust Banners: Various digital banners to enhance your website’s credibility and link
directly to your loan portal for easy customer and sales team access.
- Customized PDF Flyers: Ready-to-print flyers with your logo, loan portal URL, and QR code,
perfect for distribution to potential clients.
- Customized Social Media Creatives: Social media assets designed to promote your financing options
and drive traffic to your loan portal.
- Customized YouTube Video: A co-branded “How It Works” video with your logo and loan portal URL to
integrate into your website and other marketing channels.
- Custom Printed “100% Financing Available” Cards: 500 custom printed color financing cards
featuring your logo, QR code, and unique loan application URL, ready to share with prospects and
customers.
The setup fee ensures that each of these high-value, customized marketing materials are created and
specifically tailored for your business. This initial investment pays for itself many times over by
equipping you with the tools needed to enhance customer engagement, drive financing applications, and
ultimately boost your revenue.
As these marketing assets are custom-made and tailored to your business, the Lender Platform Activation Fee
is non-refundable. This policy ensures that we can continue to provide top-quality, personalized services
and support to all our partners.
Investing in these assets from the beginning positions your business for long-term success in leveraging
our financing solutions.
What marketing materials are included with the program to help partners promote their financing & grow their
business?
+
Custom Co -Branded Marketing Assets To Ensure Success With The Program
To help you fully harness the power of our financing programs, every partner plan includes a comprehensive
suite of customized marketing assets, valued at over $350. These assets are specifically customized for your
business to ensure a seamless partnership and to maximize your financing success.
Below is a list of the hard & soft marketing material you’ll receive
Co-Branded Loan Portal: A professionally designed loan portal and application featuring
your branding, creating a seamless experience for your customers.
- Custom QR Code: A unique QR code linked directly to your loan application, ensuring
easy and direct access for your clients.
- Custom URL: A personalized loan portal URL that includes your business name for instant
recognition, accessibility and since its indexed in Google it even gives you an SEO boost.
- Website Trust Banners: Various digital banners to enhance your website’s credibility
and link directly to your loan portal for easy customer and sales team access.
- Customized PDF Flyers: Ready-to-print flyers with your logo, loan portal URL, and QR
code perfect for distribution to potential clients.
- Customized Social Media Creatives: Social media assets designed to promote your
financing options and drive traffic to your loan portal.
- Customized YouTube Video:A co-branded “How It Works” video with your logo and loan
portal URL to integrate into your website and other marketing channels.
- Two-Sided “100% Financing Available” Cards: 500 dual-sided color business cards
featuring your logo, QR code, and unique loan application URL, ready to share with prospects and
customers.
These high-value, customized marketing materials are created specifically for your business to equip you
with the tools needed to enhance customer engagement, drive financing applications, and ultimately boost
your revenue.
These assets position your business for long-term success in leveraging our financing solutions.
Investing in these assets from the beginning positions your business for long-term success in leveraging
our financing solutions.
What other fees will we be charged?
+
HelloRates never charges per-loan fees, discount fees, or hidden fees to dealer partners.
Is there a minimum loan volume or submission minimum?
+
There are no minimum volume requirements. Your account will not be shut off for inactivity or low loan
volume.
What paperwork should dealer partners expect?
+
No paperwork is required from our dealer partners. Unlike other financing programs we won’t request your
business financials, customer contracts, completion certificates or any other paperwork.
What paperwork should the customers & patients expect?
+
Loan applicants typically only need to prove their identity with a government issued ID and their banking
information so that they can receive their funds via direct deposit. Approved customers will follow simple
steps to finalize their loan approval and receive funds directly in their account to pay you by cash or
check.
Who receives the loan proceeds?
+
Approved customers receive funds directly in their account and can pay you by cash or check.
How do we ensure that we get paid by the customer?
+
We understand that some businesses and practices raise a concern that the customer may get their loan
proceeds and book a vacation or spend their funds elsewhere. We solve this concern by including language in
our terms and conditions that the applicant must agree to before seeing their loan approval options. This
explicitly states that the applicant must use the loan proceeds for the product and services of your company
only. This language legally binds them to how they can use the loan proceeds.
What is an unsecured loan?
+
An unsecured loan, or personal loan, is based solely on the borrower’s creditworthiness and does not
require collateral. It can be used for various purposes such as home improvements, debt consolidation,
travel, and medical expenses.
What is a secured loan?
+
A secured loan is backed by a valuable asset, such as a car or home, used as collateral. If you default,
the lender can repossess the asset.
What is the difference between a prime loan and a subprime loan?
+
Prime credit loans are typically reserved for credit and loan profiles that have solid income, credit
history and scores above 650 FICO. Subprime credit loans typically have income or credit history that is
atypical and riskier with credit scores that fall below 650 FICO scores.
What is a 0% APR Promotional Card?
+
Our 0% APR promotional card program is perfect for those customers with credit above 650 and who want to
finance their purchase using an interest free option, low payment and often includes other card based perks
for miles, points, travel and cashback. These programs are in partnership with the major card issuers and
have additional nuances due to the approval and funding process being tied to the customer's receipt of the
card before they can use it.
What are HelloRates credit requirements?
+
HelloRates accepts credit scores ranging from 500 to 850.
Does HelloRates have lending partners who work with less-than-perfect credit?
+
Yes, HelloRates partners with lenders that cater to all credit types, from poor to excellent.
Does HelloRates or any of its lending partners pull a credit report?
+
HelloRates does not pull credit or make credit decisions. Our partner lenders typically perform a soft
credit check that does not affect your score. Some credit card providers may conduct a hard credit check for
their final underwriting decision.
What is the difference between a hard credit inquiry and a soft inquiry?
+
A soft credit inquiry occurs when you, a credit card company, or a lender checks your credit for
pre-approval. It does not appear on your credit report or affect your credit scores. A hard credit inquiry
occurs when you apply to a bank or lender. It appears on your credit report for 24 months and impacts your
credit score for the first 12 months. HelloRates Loan programs are all soft inquiry programs and our 0% APR
card programs require a hard inquiry to generate an approval.
Does HelloRates charge any fees to the consumer?
+
HelloRates never charges consumers any loan fees. Once matched with a lending partner, the applicant will
get the full loan terms and details of their specific loan approval.