Marketing toolkit

Use these resources to promote monthly payment options with ease

Select a toolkit item:

Disclosure

Financing is regulated. We must work with our partners to comply with federal and state lending regulations. These include the Truth in Lending Act (TILA); Unfair, Deceptive, or Abusive Acts or Practices (UDAAP); federal law dealing with discrimination, Equal Credit Opportunity Act (ECOA); and CAN-SPAM Act, just to state a few.

When you present financing offers that not everyone may qualify for (specific interest rates, specific payment amounts, etc.), you may be using “trigger terms.” Trigger terms are customer-facing words or phrases that may warrant additional qualification or explanation. We included a disclosure wherever needed to help you meet this requirement.

Use this disclosure text when you advertise financing to your customers:

*All financing is subject to credit approval. Your terms may vary. Payment options through Improvifi are provided by our lending partners. For example, a $1,200 purchase could cost $104.89 a month for 12 months, based on an 8.9% APR, or $400 a month for 3 months, based on a 0% APR. Offers range from 0–35.9% APR based on creditworthiness. State interest rate caps may apply. No other financing charges or participation fees. See additional terms at https://www.improvifi.com/faqs.*

Do's and Don'ts

•Do include the disclaimer text whenever you mention monthly payment options, APRs, or term lengths.
•Do reach out to support@improvifi.com if you have questions or want to use anything other than the approved messaging.

•Don't handle sensitive customer information yourself.
•Don't tell your customers they will be approved or receive a certain rate.
•Don't use your own marketing language unless it's been explicitly approved by Improvifi.

When marketing financing, it is important to adhere to these practices:

Use approved messaging: Rely on approved messaging to maintain clarity and prevent misinterpretation of our products and terms.

Utilize pre-made assets: Leverage our downloadable assets and templates to save time and ensure message consistency.

Promote responsible spending: Advocate for sensible shopping habits and refrain from suggesting that customers spend beyond their means.

Avoid exaggeration: Refrain from overstating the benefits or sharing personal opinions about financial products. Be careful not to appear as giving financial advice.

Keep it clear and informative: Aim for messaging that is simple, transparent, and educational, especially during the checkout process to ensure customer comprehension.

Be sensitive and contextual: Always take into account the wider economic context and individual customer circumstances when promoting financing across different media.

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