What are the interest rates and other terms of the financing program?

The financing options may vary by merchant with rates and other terms dependent on the purchase amount and your eligibility. We encourage you to pre-qualify to view potential financing offers.

Gearfire Capital offers financing for a wide range of credit scores. We encourage you to apply to view potential financing options even if you don’t have great credit.

No, you may pay off your contract in full at any time without penalty.

The high credit amount that you have been approved for is good for 30 days on your current application only. Any subsequent requests must be submitted through the same application process and will be re-evaluated. This product is not a revolving line of credit. A new credit file will not be pulled if you reapply within 30 days of previous application. Be sure to read all of the contract disclosure information and if you have any questions, please feel free to contact Gearfire Capital at: customerservice@gearfirecapital.com

Shipping, holding costs, or associated fees charged by the Dealer may be added to your final invoice. Gearfire Capital charges a processing fee which will be included in the financed amount. Taxes will vary from location to location. There is no money down requirement or upfront costs.

If your loan was originated prior to February 28^th of 2023, please rectify the situation with merchant. If the merchant accepts the return, they will send funds to you minus any applicable restocking or other associated fees. You have the option to continue to make monthly loan payments or pay it off early. You are responsible for any accrued interest from the date of the signed contract. Please note the terms of your contract remain intact.

If your loan was originated on February 28^th of 2023 or later, we will honor the return policy of the merchant. Please contact the merchant to review their cancellation and return policies. If the merchant accepts the return, your loan will automatically be canceled after the transaction is processed by the merchant.

How do I make payments?

You will receive payment instructions after completing your loan. If you do not have a link to your payment portal, you may email customerservice@gearfirecapital.com or call 833-341-2378 for assistance.