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American General Financial Services

Click AGF's IAPS to begin your online loan application process.

Financing is only available to residents in the state of California.

The online loan and retail financing applications provided by American General Financial Services (AGFS) allow you to apply online for retail financing. In most cases, you will receive a response regarding your application in minutes. Below is a list of frequently asked questions that may help you with the application process.

How Does It Work?
We value your time! Our two step process should take you less than 10 minutes to complete. Completing the application process will take you approximately 3 to 5 minutes and it should take no more than 2 minutes for our system to process your application. You will receive one of the following responses to your online loan or retail financing credit application:

(1) Application Forwarded to a Local AGFS Branch Office:
The application will be forwarded to the specified AGFS branch, where a loan specialist will contact you within 1 business day.

(2) Denied:
Unfortunately, your application has been denied and we will be unable to assist you with your credit needs at this time. A statement of credit denial will be mailed to you within the next 30 days.

(3) Conditionally Approved (Applies to retail financing only):
You have been approved, pending verification of the information you provided. Please make note of your application number for further reference. You will need to proceed to your selected merchant and provide the merchant with your approved application number and verification of identification (i.e., driver's license).

(4) Further Review (Applies to retail financing only):
The application requires further review from one of our loan specialists, and a decision will be sent to you via email within 24 hours.

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What Information Do I Need?
The information below provides an outline of what you will need for the AGFS online loan and retail financing applications, as well as for closing the loan at an AGFS branch or an AGFS merchant. Please note that when applying jointly, the information below must be provided by both the primary borrower and the co-applicant.

(1) Information Needed to Receive an Online Response:
 
     - Name
     - Address
     - Phone Number (required for primary borrower only)
     - Date of Birth
     - Social Security Number
     - Email Address
     - Employer's Name
     - Net Monthly Income

(2) Close the Request at the Branch/Merchant:
 
     - Verification of Residence
     - Verification of Employment
     - Verification of Income
     - Appraisals (secured real estate requests only)
     - Title Searches (secured real estate requests only)
     - Proof of Identification

I applied for retail financing and forgot my application number. What do I do now?
If you have misplaced your retail financing application number, please contact the American General Financial Services merchant to proceed with your financing.

I received a 'Conditionally Approved' decision on my application. Where do I go now?
If you received a 'Conditionally Approved', decision for a retail financing credit application, please note your application number and proceed to the merchant that you selected at the beginning of the application process (the merchant information is provided on the credit approval page). This conditional approval, subject to verification of your application information, is valid for 30 days after it is issued.

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I received a 'Further Review' decision on my application. What does this mean?
'Further review' status means that your retail financing application requires further review by an American General Financial Services loan specialist. Rather than making you wait online while this process takes place, we will send the decision regarding your credit application via email within 24 hours.

What is AGFS's relationship with merchants?
AGFS has relationships with thousands of merchants across the country who offer all types of consumer products from home furnishings and appliances to musical equipment and electronics. This relationship allows the customer to make purchases with these merchants using AGFS's retail financing.

What does verification mean?
In order to approve a loan or retail financing request, AGFS must first verify certain aspects of the application, such as the applicant's identity and employment information.

What type of ID is needed for verification?
A valid driver's license or current passport can be used to verify identity.

Click AGF's IAPS to begin your online loan application process.

Financing is only available to residents in the state of California.

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