Frequently Asked Questions
The Financing Process
How does the financing process work?

Getting financing through Further is simple, fast, and hassle-free:

  1. See your offers now or scan the QR code – You’ll find the QR code on the letter or pamphlet you received. Check your rates in seconds with no impact on your credit score.

  2. Explore your options – Compare personalized offers from trusted credit unions and choose what works best for you.

  3. Get funded! – Once your info is verified, you’ll get the funds you need quickly and easily.

How quickly can I access the funds?

Once you choose an offer and complete verification, you'll receive your funds in as little as one business day.

What if I have questions about my loan after approval?

Once you choose an offer, the credit union funding your loan will be your main point of contact for any questions about payments, terms, or account management.

How much can I finance?

That depends on your pre-qualified loan offers. See your offers now to view your personalized financing options in seconds.

Can I finance part of my purchase and pay the rest out of pocket?

Yes! You can choose to finance only part of the total cost and cover the remaining balance with your own funds.

Credit Impact & Pre-qualification
What does pre-qualification mean?

Pre-qualification is a quick check to determine eligibility for financing—without affecting your credit score. It’s not a final approval, but it helps you explore your options upfront.

What happens after I’m pre-qualified?

You’ll be able to compare financing options from credit unions, choose the best fit, and move forward with your financing.

What happens if I don’t qualify for financing?

If you’re not pre-qualified, it might be due to your credit score (680+ is typically where we see the most success), credit history, available loans, or financial profile. You can check back later—credit unions update their offerings regularly, and your eligibility may change.

Can I check my rates again if I didn’t pre-qualify the first time?

Absolutely! Your eligibility may change over time as credit unions update their offers, so check back anytime to see your offers.

Will checking if I pre-qualify impact my credit score?

Nope! Checking your rates only requires a “soft pull” of your credit, which won’t affect your score. If you decide to move forward with an offer, the credit union will perform a “hard pull,” which may have a temporary impact.

Does it cost anything to check if I pre-qualify?

Nope! Checking your rates is completely free—no hidden fees, no obligation, and no impact on your credit score.

What credit score do I need to qualify?

Credit requirements vary by credit union, but generally, we see the most success with a 680+ credit score. The best way to find out if you qualify? See your offers now or scan the QR code found on the letter or pamphlet you received. Checking your rates won’t impact your credit score.

Why do I see an inquiry from Union Credit on my credit report?

The inquiry you’re seeing on your credit report was a soft inquiry, meaning it had no impact on your credit score. Soft inquiries occur when financial institutions check your credit to provide pre-qualified offers, but they do not affect your credit history or rating.

If you prefer not to receive future pre-qualified offers, we recommend opting out of prescreened credit offers by visiting OptOutPrescreen.com.

Loan Offers & Terms
What are the interest rates and repayment terms?

Your rates and terms are based on your credit profile and the offers available from our credit union partners. You’ll see all your options when you check your rates.

Are there penalties for paying off my loan early?

Most credit unions don’t charge prepayment penalties, but terms may vary. You’ll see all the details before choosing an offer.

Will I receive multiple loan offers?

It depends on your credit profile and the credit unions available in your area. If multiple offers are available, you can compare and choose the best fit.

Who is providing the financing?

Further connects you with a network of trusted credit unions that offer competitive rates and flexible loan options.

Credit Unions & Membership
Why should I finance through a credit union?

Credit unions are all about people, not profits. They offer competitive rates, lower fees, and a member-first approach, helping you get fair and affordable financing.

Do I need to be a credit union member to apply?

Nope! You don’t have to be a member to check your rates. If you choose an offer, the credit union will guide you through a quick and easy membership process if needed.

What types of credit unions offer financing through Further?

Further partners with community-focused credit unions that offer consumer-friendly financing and competitive rates—often better than traditional banks.

Security & Privacy
How is my personal information protected?

Your data is securely handled and only shared with the credit unions providing your financing offers. Further never sells or misuses your information.

I received a mailer about qualifying for a loan. How can I get more information?

If you received a mailer from Further, congratulations! This means you’ve been pre-approved for a loan offer from a trusted local credit union in your community.

Further connects consumers with competitive loan options from credit unions that prioritize community-focused banking. There’s no obligation to accept the offer, and checking your eligibility won’t impact your credit score.

For more details reach out to our support team at support@gofurther.app. We’re happy to help!

Still have questions? Reach out to us at support@gofurther.app