Right from Your Phone or Computer
We consider a wide range of credit profiles and guide you through a fast online application to help you explore financing options.
We take pride in helping homeowners explore financing options when they’ve been denied elsewhere.
Declined Elsewhere - Apply With Us
Clear, Quick Process - No Hidden Terms
Low FICO - We Welcome You To Apply
No SSN? We Have ITIN Options
No Prepayment Penalties Ever
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Apply Today Right From Your Phone Or Computer
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Over 85% acceptance rate
Complete your application effortlessly
English and Spanish
individuals with no Social Security number
ITIN, FICOs 0 to 640 and above
Less Cost of Debt
Paperless process
Competitive Interest Rates
Over 85% acceptance rate
Upload your application effortlessly
English and Spanish
individuals with no Social Security number
ITIN, FICO's 0 to 640 and above
Less Cost of Debt
Paperless process
Competitive Interest Rates
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If you’ve already chosen a contractor, simply ask if they can offer financing through Cartera - it can help keep your project moving without paying everything upfront.
If you haven’t picked a contractor yet, we can connect you with contractors in our network in your area.
“Before Cartera, I had only had experiences with RTO plans. This is way better. Nothing comes close to the feeling of finally getting pre approved for a full loan. Cartera not only offered me an affordable financing deal but helped me each step of the way to make it happen. I can't thank them enough."
“Before Cartera, I had only had experiences with RTO plans. This is way better. Nothing comes close to the feeling of finally getting pre approved for a full loan. Cartera not only offered me an affordable financing deal but helped me each step of the way to make it happen. I can't thank them enough."
“Before Cartera, I had only had experiences with RTO plans. This is way better. Nothing comes close to the feeling of finally getting pre approved for a full loan. Cartera not only offered me an affordable financing deal but helped me each step of the way to make it happen. I can't thank them enough."
How do I become a dealer with Cartera?
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
Are there any costs to becoming a dealer?
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What is a dealer discount?
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
How do I become a dealer with Cartera?
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
Are there any costs to becoming a dealer?
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
What is a dealer discount?
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
How do I become a dealer with Cartera?
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
Are there any costs to becoming a dealer?
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
What is a dealer discount?
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
How do I become a dealer with Cartera?
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
Are there any costs to becoming a dealer?
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
What is a dealer discount?
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
What if I don’t have a social security number?
Not a problem; 70% of our customers do not have a social security number. They have an ITIN.!
What happens if I don’t have a credit history or if my credit score is “too low”?
No problem! Cartera prides itself in providing financing to individuals who either don’t have a credit history or who have had financial hardships that have negatively affected their credit score. Your credit score is not the only thing that’s important to us, so do not let that keep you from applying.
What if I don’t have a US ID?
Not a problem. We accept foreign passports, matriculas consulares, and a variety of state IDs.
Do you report to the credit bureaus?
Yes, we currently report to Trans Union and Experian. Part of Cartera’s purpose is to help individuals start building or rebuilding their credit, and we are willing to finance you even if you don’t have any credit history. Everyone deserves a chance.
What products can I finance with you?
We offer financing to individuals for the purchase/replacement of their residential air conditioning system (HVAC), water treatment system, water heaters, generators, fences, and sheds. If you are already working with a dealer/retailer for a certain project, let them know that we can help finance you!
What is an APR, and is it the same thing as “interest rate”?
The APR, or annual percentage rate, is the overall cost of your loan on an annualized basis, including any fees that you may have paid at the time of getting a loan. At Cartera, we do not charge any outside fees for arranging loans, so the APR you see in your loan documents is essentially the same as the interest rate.
Are there any prepayment penalties?
There are no prepayment penalties if you decide to voluntarily increase your monthly payment or entirely pay off your loan early. If you are already making the scheduled installment stipulated in your contract, any amount paid above that will go towards principal and reduce the overall balance of your loan, ultimately reducing the amount of interest you pay over the life of your loan.
Is there a minimum payment?
The minimum payment is the scheduled installment disclosed on the first page of your loan agreement.
Do you charge late payment penalties?
Cartera only charges late payment penalties after a scheduled installment is late more than 10 days.
What happens if I move?
Please be aware that moving and/or selling the property where the financed goods are installed does not clear you of your obligation to pay the full amount due on the loan agreement.
Will applying affect my credit?
If you apply for pre-approval through our website, this will not affect your credit. But once you need final approval, we will run a full credit report that will count as a hard inquiry. However, multiple inquiries to your credit within a short period of time will not have a negative effect individually.
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