Email and Login

• My co-applicant/spouse lost the email that they are supposed to receive. How can I get a new one sent?

  If your co-applicant/spouse lost the email: Access the following link: https://app.padsfinancial.com/sign-in Click on the "Forgot password?" option. Follow the required steps to reset your password. Once their password is reset, they can sign in to their account and complete their part of the application. For further assistance, please don't hesitate to contact our PADS customer service representatives via live chat on our website.Popular

• How do I change my email preferences?

  To customize your email preferences, please follow these steps: Access your account settings in the PADS portal. Navigate to your profile by clicking on the profile icon Click on the notification icon to the left of your profile icon Once clicked, the settings button will appear. From there, you can tailor your email settings to align with your preferences. For further assistance, please don't hesitate to contact our PADS customer service representatives via livPopular

• Can I change my email address after verification?

  Yes, you can. Please reach out to one of our PADS customer service agents via live chat on our website for assistance with updating your email address.Popular

• How long is the email verification code valid?

  The verification codes expire within 24 hours. If your code expired, please contact one of our PADS customer service representatives via live chat to request a new one.Popular

• How do I reset my password?

  For assistance with resetting your password, please follow these steps: Access the following link: https://app.padsfinancial.com/sign-in Click on the "Forgot password?" option. Follow the required steps to reset your password. For further assistance, please don't hesitate to contact our PADS customer service representatives via live chat on our website.Few readers

• How do I verify my email address?

  For email address verification, please follow these steps: Make sure you have entered your email prior on the portal. Choose your desired product you wish to take with PADS. Check your inbox for a verification email sent from PADS. Open the email and click on the provided verification link. If you haven't received an email, please check your spam folder. For further assistance, please don't hesitate to contact our PADS customer service representatives via live chat on ourFew readers

• My co-applicant/spouse did not receive their email to create their portal what should I do?

  If you’re spouse or co-applicant haven't received an email to create their account, simply guide them through the following steps: Access the following link: https://app.padsfinancial.com/sign-in Click on the "Forgot password?" option. Follow the required steps to reset your password. Once their password is reset, they can sign in to their account and complete their part of the application. For further assistance, please don't hesitate to contact our PADS customer serviceFew readers

• What if I can't find the verification email?

  If you're unable to locate the verification email, please: Check your spam or junk folder. If the email is still missing, you can request a resend of the verification email on the registration page. For further assistance, please don't hesitate to contact our PADS customer service representatives via live chat on our website.Few readers

• I put in the wrong email address for my co-applicant/spouse. How can I change it?

  Please contact a PADS customer service representative via the live chat on our website.Few readers

Income verification and Flinks

• Why isn't Flinks working on my browser?

  Flinks functionality is not compatible with Brave Browser due to certain technical limitations. However, Flinks may be supported on other browsers such as Google Chrome, Firefox, or Safari. If you're experiencing issues accessing Flinks on Brave, consider using one of these alternative browsers for optimal compatibility and functionality. Additionally, it's recommended to check for any updates or announcements from Flinks regarding browser compatibility in the future.Popular

• Can I connect multiple bank accounts to my profile through Flinks?

  Yes, you can connect to multiple bank accounts. Follow the steps within our platform to link additional accounts to your profile: Log in to your portal and select the specific loan application Click on the “view more” Click on the “income” tab you will find the option to add another bank account. For further assistance, please don't hesitate to contact our PADS customer service representatives via live chat on our website.Few readers

• Flinks shows an error message during the connection process. What does this error mean?

  Error messages from Flinks can indicate various issues. Please provide the exact error message you received, and our support team can help diagnose and resolve the problem. For further assistance, please don't hesitate to contact our PADS customer service representatives via live chat on our website.Few readers

• I'm having trouble connecting my bank account to Flinks. What should I do?

  If you're facing issues, first ensure your internet connection is stable. Double-check that you've entered your login credentials correctly. For further assistance, please don't hesitate to contact our PADS customer service representatives via live chat on our website.Few readers

• What happens if there is an issue with connecting my bank account through Flinks?

  If you encounter any issues, please check your internet connection and ensure your bank's online services are operational. For further assistance, please don't hesitate to contact our PADS customer service representatives via live chat on our website.Few readers

Mortgage Statement

• I cannot find my mortgage statement online. Can I continue the application and upload it later?

  Unfortunately, to submit your application, uploading your mortgage statement is required as it is an integral part of our loan approval process.Popular

• How can I access my mortgage statement details?

  You can conveniently access your mortgage statement details through the account information section on your lender's or servicer's website. This allows you to view important information regarding your mortgage, such as payment history, current balance, interest rates, and escrow details, all in one centralized location. Many lenders provide online portals or mobile apps that offer easy access to your mortgage account information, making it simple to stay informed about your loan status and finanFew readers

• I think I uploaded the wrong document. What can I do?

  If you are in the loan application process, you can go back to the tab labeled “mortgage statement” and delete any documents you might have incorrectly uploaded on the top of the page. If you are in the portal, you can edit your documents by: clicking on the loan application tab Click your specific loan application Go on the “my documents” tab and view/delete/upload from here. For further assistance, please don't hesitate to contact our PADS customer service representatFew readers

Pre-authorized Debit Agreement

• The Pre-authorized Debit (PAD) agreement doesn't have the correct information on it, what do I do?

  Please contact PADS Financial customer service for further review.Popular

• What does “verified" mean?

  When your status shows as "verified," it indicates that your bank account has undergone thorough vetting. This verification ensures that we can accurately prepare the PAD agreement based on the chosen account for depositing the loan proceeds and debiting the loan repayment amounts. It's important to verify your account, especially in cases of joint accounts, to confirm ownership and ensure accurate processing.Popular

• What if my bank account is joint?

  The bank statement will help identify the joint account holders so we can modify the PAD agreement accordingly.Popular

• What if my joint account holder is also the co-applicant/spouse on my loan application?

  If this is the case, please use the email address you previously provided when entering your co-applicant/spouse information. For further assistance, please don't hesitate to contact our PADS customer service representatives via live chat on our website.Popular

• What if my joint account holder does not have an email address?

  To continue with the funding of the loan application, your joint account holder will have to create a new email address to sign the PAD agreement. You can also reconnect to a different bank account that belongs only to you so that you can generate and sign the PAD agreement on your own. For further assistance, please don't hesitate to contact our PADS customer service representatives via live chat on our website.Few readers

• How can the joint-account holder sign the PAD agreement?

  Once the PAD agreement is generated, there could be 2 scenarios pertaining to this issue: Scenario 1: Joint user has a PADS account If the joint user has a PADS account, the applicant will receive an email to sign the agreement. Once the applicant completes the signing process, the joint account user will also receive the agreement for signing. Scenario 2: Joint user does not have a PADS account If the joint account holder does not have a PADS account, they will receive an emailFew readers

• The Pre-authorized Debit (PAD) agreement does not generate when I click on it. What do I do?

  Provided the bank account you entered is marked as “verified” if you cannot open the document, please contact PADS Financial customer service for further review.Few readers

• Why can’t I generate the Pre-authorized Debit (PAD) agreement?

  This could be because your bank account has not been verified. You will need to have a verified bank account prior to generating the PAD agreement.Few readers

• I'm trying to generate my PAD agreement, but my bank account says, “Not verified”, what does it mean?

  If you are unable to generate the PAD agreement and you see a “not verified” status placed next to your bank account information, make sure you have uploaded a bank statement under the “documents” tab in your loan application. If this has already been done but the status “not verified” is still there, please contact PADS through live chat for more information.Few readers

• Where can I generate my Pre-authorized Debit (PAD) agreement?

  Log in to your portal. Navigate to the loan application tab Click on the respective loan application. Navigate to the documents tab. Click on the document placeholder named: Pre-authorized Debit agreement. Ensure that the bank account selected has been marked “verified” by PADS. If this is not the case, please make sure you have uploaded a bank statement for PADS to verify. If your account is verified, you will be able to generate the PAD agreement and canFew readers

Phone Verification

• I'm still not receiving the SMS code even after trying multiple times. What should I do?

  Verify correct phone number entry: Double-check that you entered the correct phone number during registration to ensure there are no errors. Check SMS inbox settings: Ensure that your phone's SMS inbox is not blocked or filtered, preventing the receipt of verification messages. Network signal: Check your network signal; a weak signal can lead to delays in receiving SMS. Move to an area with better reception if possible. If you're still unable to receive the SMS code after thesPopular

• Can I request the verification code to be sent via email instead of SMS?

  Unfortunately, we require verification from both your email address and phone number.Popular

• Why am I not receiving the SMS verification code?

  If you're not receiving the SMS verification code, here are a few possible reasons: Incorrect phone number entry: Ensure that you've entered your phone number correctly. Weak network signal: A weak network signal can cause delays in receiving SMS messages. Try moving to an area with better signal reception. Carrier issues: Sometimes, delays in SMS delivery can occur due to issues with your mobile carrier. Please wait a few minutes and try again. For further assistance, pleaFew readers

• What should I do if the SMS code has expired?

  Verification codes have a limited time window for use. If the code has expired, please click 'Resend Code' to receive a new one. Make sure to use the new code promptly.Few readers

• Can I request a voice call with the verification code instead of an SMS?

  Currently, we only support SMS verification. If you're having trouble receiving the SMS code, please ensure you have a stable mobile network connection and follow the steps to request a new SMS code.Few readers

Identity verification and liveness test

• I keep getting error messages during the liveness verification. What does it mean?

  Error messages during verification can stem from various causes. Here are some common issues and troubleshooting steps: Poor lighting: Ensure that you have adequate lighting in the room. Insufficient lighting can interfere with the verification process. Network problems: Check your internet connection. Poor network connectivity can cause verification failures. Switch to a stable network or try again later. Movement detection issues: Avoid excessive movement during the verificaPopular

• I wear glasses. Will that affect the liveness verification?

  Wearing glasses should not affect the liveness verification. However, ensure there is no glare or reflections on your glasses that might interfere with the camera's ability to detect your facial features.Few readers

• Can I perform the liveness verification on a different device?

  Yes, during liveness verification there is an option to scan a QR code to switch from your computer to your mobile device.Few readers

• My liveness verification failed, but I'm sure I followed the instructions correctly. What can I do?

  Liveness verification may fail for various reasons, including lighting conditions or device limitations. If you're certain you followed the instructions correctly, please reach out to the PADS costumer service live chat for further assistance.Few readers

• What should I do if the liveness verification is taking too long to complete?

  If the verification process is taking longer than expected, ensure you have a stable internet connection. Slow network speeds can lead to delays. Also, make sure you are following the instructions accurately, and your environment is well-lit. For further assistance, please don't hesitate to contact our PADS customer service representatives via live chat on our website.Few readers

• My camera is not working during the liveness test. What should I do?

  If your camera isn't functioning during the liveness test, please follow these steps: Check camera permissions: Ensure that the camera permissions for PADS are enabled in your device settings. Without proper permissions, the app may not be able to access your camera. Close other applications: Make sure your camera is not being used by any other application at the same time. Some apps may keep the camera engaged, preventing other applications from accessing it. Restart the app: TFew readers

About PADS Financial

• How do I report a technical issue or bug?

  If you encounter any technical issues or bugs, we recommend reaching out to the PADS customer service live chat within your portal for assistance. Alternatively, you can use our contact Us form available on the website to report the issue.Popular

• Can I speak to a human agent?

  Certainly! While our chatbot handles many inquiries, you can request to speak with a human agent by contacting our PADS customer service representatives via live chat on our website.Popular

• Why can't I change the information already entered in my portal?

  Information already entered cannot be changed due to PADS policies and procedures.Few readers

• How do I submit additional documents or information after applying for a loan?

  At any moment before or after loan application submission, you can return to your portal to do the following: Click on your specific loan application under the “loan application” tab go on to the tab “documents” you will be able to click on “upload documents” and upload anything necessary to the loan application. For further assistance, please don't hesitate to contact our PADS customer service representatives via live chat on our website.Few readers

Application Documents

• How do I upload these additional documents?

  Select your specific loan application. 2.Look for the tab labeled "documents." Upload each required supporting document individually. For further assistance, please don't hesitate to contact our PADS customer service representatives via live chat on our website.Few readers

• I tried to upload my second ID, but it did not work, what do I do?

  If you attempted to upload your ID and it does not record as being “uploaded” please contact PADS financial directly through live chat for further assistance.Few readers

• Where does my co-applicant/spouse upload their second ID?

  The co-applicant/spouse uploads their ID the same way as the primary applicant except on their portal page: Log in to your portal Go to your user profile On your user profile click the “documents” section and you will find where to upload the second ID. For further assistance, please don't hesitate to contact our PADS customer service representatives via live chat on our website.Few readers

Commitment Agreement

• Where can I find the commitment agreement?

  You can access the commitment agreement from PADS Financial via two methods: Firstly, navigate to the "Documents" tab of your PADS Portal within the corresponding active loan application. Alternatively, once the document is ready, you'll receive an email containing a link for easy access.Popular

• What if my co-applicant/spouse or myself are unable to sign the document online?

  Please reach out to PADS customer service live chat for further assistance.Few readers

• My Document does not generate. What do I do?

  If your document is not generating, please ensure that you have clicked on "Review" to accept the terms and conditions of your PADS Financial loan offer. Once this step is completed, the commitment agreement will become available to you. Also, note that after generating the document, PADS must sign it before you can access it directly. You'll receive a link via email once the document is ready for your review.Few readers