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Frequently Asked Questions

To determine if you’re eligible to borrow money, our lending partners will run a quick credit check when you make a loan request.

The interest rate on a loan is determined by our lending partners and is stated clearly when you are offered the loan.

Absolutely. You can pay off your loan on the Commerce Finance website on or before the repayment date.

Commerce Finance will save you time with a simple account opening process that takes less than five minutes, help you put money away easily by automating your saving, make sure your bills are paid on time with its scheduled payments feature and deliver a free debit card you can activate, lock and unlock from your phone.

If you do not pay off your loan on the due date, you will be charged a late fee and our lending partners may initiate a process to recover the loan. If you skip repayment entirely, you may be blacklisted and it could be very hard for you to get a loan in the future.

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