Features

  • Loan Amount
    $100 - $5000
  • Payment Options
  • APR
    35% - 200%
  • Max Loan Term (Months)
    30
  • Credit Score Range
    560 - 700
  • Immigration Status Considered
    U.S. Permanent Resident
  • Verification Documents Required?
  • Approval Speed (Hours)
    24
  • Pre-Approved Soft Credit Inquiry
  • Funding Time
    1-7 days
  • Credit Bureau Reporting
  • Origination Fee
    Starting at 2%
  • Institution Type
    Direct Lender
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Reviews

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0 votes

If I could give a negative I would. No communication about promotional periods, to then charge the accrued interest. Customer service did not do anything to keep our business. Will never finance with them again! Save yourself the headache. Other retailers are more than willing to reverse interest charges if we are a few days late, these people did not even budge. I threatened to close the account & they were quick 2 say they would be able 2 assist with that. Really?!


0 votes

Horrible company. Nothing but a scam mill. How do they even exist? Why does Nordic Track associate with them? I originally purchased a $2500 incline trainer from NT on a 6 month same as cash contract. I had never even heard of this crappy ass company until they called over a month later telling me I was in collections and informing me that I owed them money far in excess of how much I had agreed to pay for my IT. I informed them I ... had never even knew of their existence until the moment they called much less received anything from them with an account or official balance or whatever and given all the phone scams was not going to simply give them $300 on the spot or even agree to the collector's terms whereby I owe more than the original agreement. There is no one higher up with any authority I was told and either I paid this amount or my delinquency would be reported to my credit. More Less

0 votes

Worst company ever not even a star people do not borrow money from this company high interest and not good customer service ????????????


0 votes

FORTIVA IS ONE OF THE WORSE COMPANIES I HAVE EVER DONE BUSINESS WITH. TOLD ME MY BILL IS DUE AT THE END OF THE MONTH ON THE 28TH.. I PAID MY BILL ON THE 14TH A LITTLE EARLY. THEY DID NOT PUT MY MONEY TOWARDS MY MONTHLY PAYMENT.. THEY PUT IT TOWARDS MY BALANCE AND TOLD ME MY MOMTHLY BILL IS STILL DUE.. WHO DOES THAT? I WILL NEVER USE THEIR SERVICE AGAIN ONCE I PAY THEM OFF.. IT'S A RIP-OFF AND A SCAM!!!!


0 votes

I WOULD GIVE NEGATIVE IF I COULD. First of all this is my first review ever so i strongly feel the need to tell the world to stay away from this company. We did finance a carpet installation for our house via empire, we are very satisfied with the carpet. The empire sales person did the loan application in our house and told us the 12month financing program and we thought it would be great for our house. We decided to go for it couple weeks later when we were ready since ... we were remodelling the house and the guy from empire said 12month will start on the date of the first payment which was down payment and that was in march. All along the year we were doing great enjoying our carpet and making payment while checking for the time left on the promotion. Came January 25 2017 we were late on the payment which was due on the 22, Fortiva Finance ( LENO LACER ) called threatening to report to the credit bureau and couldn't listen to anything else, she told us and on top of that you are being CHARGED 15$ late Fee and another 296 for being late. What in the world does that even mean ? We called her back trying to understand what was the 296 about because it didn't make sense, she was so rude, the mean person ever , worst customer service of all time, We asked to speak to someone else to clarify she boldly told me NO, i can not with her GHETTO accent. I said i am not comfortable talking to you and i don't think you know what you are talking about. She said i told you what happened and i am not repeating myself, so we told her to go screw and that we were going to report her. Waited another half hour and called back an other department just to speak with somebody else and try to understand the bill. I talked to LIZZY id 14372 , she was calm and understood my questions first , i mean LISTEN FIRST before being an straight out of guetto crap. She told me the misunderstanding was that the financing was from the first date of opening the account and unfortunately they cant waive the fee anymore , which is still bogus , and that the late fee was 15$ NOT 296$, she was very calm and polite and even suggested that the quicker we pay the better off because the feees are are only going to be higher at this point. I amen she is the type of person any company should have for customer service not that i was happy with her answer but she made me understand , Thats all i needed not waive but understand the charged while i was expecting to pay off in the next 2 month. So ok this is ridiculous i wish we never knew about this company lets go ahead and pay it off just so we never get to hear from them ever again i wish the go bankrupt. so we called back and there goes another JEANELYN id 531764 i said hi , she didn't even respond and automatically what's your phone number? last 4 of your social? address? zip? your balance is blablabla, asking me all these question without even knowing why i called, ALL THEY WANT IS YOUR MONEY no repect, they DONT CARE ABOUT CUSTOMER SATISFACTION, trying to talk over me and tell me to listen to her, i said i don't want to listen to any of the bullshit you have to say i just want make a payment now you can ask me the info about the that, Their confidence is so directed in the wrong way. THEY DON'T CARE ABOUT YOU even if you spend thousands. CUSTOMER FIRST, LISTEN FIRST. CRAPPY COMPANY, I SHOULD HAVE READ THE REVIEWS, PLEASE STAY AWAY. LISTEN AND READ THE REVIEWS STAY AWAY FROM THOSE PEOPLE. Just check their reviews 1/5 says it all. I bet i am not the only one. STAY AWAY PEOPLE. STAY AWAY! More Less


0 votes

Responded to pre-approved mailer, went online and answered all questions. Got pop-up message at end that I'd hear from them in 10 days. Fourteen days later a letter came in the mail asking for social security card, utility bills, tax returns, and bank statements. I tore up the letter...either I'm pre-approved or not...scam...


0 votes

This company is full of scans and will only take advantage of the customer. Never use them.


0 votes

hard to navigate the site and apply for a loan


0 votes

Intrest rates are high.Money was put into my bank quick like promised.


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