All customers are assessed based on the information supplied at checkout. There are many possible reasons why you are not eligible, including but not limited to:
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We couldn't gather sufficient information from a credit reporting agency to make a decision
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Your credit information didn't allow us to advance to the next step in the application process
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History of late or unsuccessful payments with Elective
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You are not the age of majority in your state, province, or territory
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You are in a location that we do not operate in (e.g. California)
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We were unable to verify your identity
We hope you'll consider us again in the future.
Tip: Ensure all information in your application matches your personal details. This includes your legal name, address, and banking information (if applicable).
Does this mean I can't complete my purchase?
You can still complete your purchase, however, you will need to checkout with another payment method provided by the merchant.
Will I be able to use Elective in the future?
Each order is assessed at the time it is placed for both new and returning customers. We recommend you try Elective for future use to see if we can approve your purchase.