Travel Agents: Offer 0% APR Financing For Your Travel, Vacation & Cruises Packages.

FAQs for Partners

We’ve made the process super quick and easy for you to offer a full spectrum of commercial & business loan options to your customers. After you complete the program enrollment form, we will contact you with the next steps to set up your custom Co-Branded Portal which will allow you to offer Commercial & Business Financing to your customers immediately. When your customer applies using your unique loan application we will match your customers with lending options from our large network of the best lenders, offering Unsecured Commercial & Business Loans based on their individual needs to provide them the best options and highest chance of approval success. Your customers will be able to review and compare all options ahead of making any final decisions.

Just send them your Financing Portal Link and they can simply complete the online application within seconds. Once they submit their information, they’ll be immediately matched with the best options available based on their situation.
HelloRates can provide financing for nearly any product or service you can think of. See our page that lists all of the products and services here
We never charge per-loan fees, discount fees, or hidden fees.
We do not have any minimum volume requirements. We will never shut off your account for inactivity or minimum loan volume.
We will never ask you for any paperwork from you or your customer. When a customer is approved, they will follow the easy steps to finalize their loan and get their funds directly deposited into their account so that they can pay you by cash or check.
When a customer is approved, they will follow the easy steps to finalize their loan and get their funds directly deposited into their account so that they can pay you by cash or check.
We take consumer and business privacy very seriously, and all of your information is safe and secure in a variety of different ways. One way is by using SSL to establish an encrypted link, so everything you provide remains private. You can review our privacy and security policy in the privacy section of this site.
An unsecured loan, or personal loan, is a loan that is based solely on the borrower’s creditworthiness rather than by any type of collateral. An unsecured loan can be used for nearly any purpose, including home improvements, debt consolidation, travel, medical & dental wedding expenses, and many more.
A secured loan is a loan that is secured by a valuable asset, such as a car or home. The asset is used as collateral for the loan, and if you default, the bank or lender can repossess the car, home, or other asset that is pledged.
HelloRates has partner network programs for all credit types. Scores from 500- 850 are welcome to apply.
Unfortunately, we only offer our program in the US at this time.
There are no requirements to accept any of the options that are presented. It’s best practice to notify the lender directly that you are declining their offer so that they can allocate that money to someone else.
Yes, HelloRates has lending partners that work with borrowers with poor to excellent credit. All loan and underwriting decisions are performed and provided by our lending partners.
HelloRates is not a lender and does not pull credit or make credit decisions. HelloRates works with best in class lenders and card providers through our loan portal engine. Most lenders will only pull a soft credit report that will not affect your score. Most credit card providers that can be found through the HelloRates site will pull a credit report in order to make their final underwriting decision.
A soft credit inquiry is an inquiry that occurs when either you, a credit card company, or a lender checks your credit to pre-approve you to offer you credit. Soft inquiries do not appear on your credit report, nor do they impact your credit scores whatsoever.

A hard credit inquiry is an inquiry that occurs when you apply to a bank or lender so they can review your credit report as part of their decision-making process. A hard inquiry does show up on your credit report and will impact your credit score. This type of inquiry appears on your credit report for two years (24 months), however, it will only impact your credit score for the first year (12 months).
HelloRates never charges the consumer any fees to utilize the services. Each lending partner you are matched with determines their own policy on what they charge. We are unable to determine the amount of closing costs or out-of-pocket expenses you may incur; however, if we are able to match you with a lending partner, you can discuss your specific situation with them once you review their loan terms and are in contact.
Of course, please reach out using our contact form, and one of our friendly customer success agents will be happy to help you.

Account Management

It’s easy to access your account by going to your account dashboard if you are logged in. If you are having trouble logging in or need help, start with the forgot password prompt and follow the steps to reset your login or password.
It’s easy to access your account by going to your account dashboard if you are logged in. If you are having trouble logging in or need help, start with the forgot password prompt and follow the steps to reset your login or password. Billing and payments are located in your account dashboard.
It’s easy to reset your login or password by going to your account dashboard if you are logged in. If you are having trouble logging in or need help, start with the forgot password prompt and follow the steps to reset your login or password.
The HelloRates Privacy Policy can be found here. It can also be found in the footer of our home page here

Loan Portal Support

There are many great ways to share your Loan Portal. We make it super easy to share via a Trustmark banner on your website, staff email signature, email link, text link, social media posts & Linktree, and even a QR code that can be added to all printed materials, such as the reverse side of your business cards, proposals, mailers, postcards, etc.
Maintaining your Custom Loan Portal is really simple. Any time your business info or logo changes, simply make the updates on your portal as soon as possible to ensure consistency with your brand, business information, etc for your customers.
Since logos come in many shapes and sizes, we have made the Custom Hellorates portal as flexible as possible and should accommodate 99% of logos. If you are having trouble with your logo, simply reach out with your Custom HelloRates Loan Portal link and attach your logo, and we will be happy to see if we can help.

We’d love to hear from you!


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    HelloRates is an innovative FinTech platform built to provide world-class travel financing solutions for both consumers & travel professionals. Whether it’s for travel, vacations, cruises, or more, we deliver the markets most in demand 0% APR & Perks programs. These programs empower consumers to explore the world with financial flexibility & savings. Our unwavering commitment to the market’s best rates, terms, perks and value makes us the preferred choice for travelers seeking reliable financing options.

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    • This website does not constitute an offer or solicitation to lend. Annual Percentage Rates (APR), Introductory Rates (Intro), terms, interest rates, amounts, and fee(s) are provided by Trust Tech LLC/ DBA HelloRatesTravelFinancing.com lending partners. HelloRatesTravelFinancing.com (the operator of this website) is a technology company not a lender, does not accept applications for credit, does not make loans, and does not make credit decisions. Your information on this website does not guarantee that a lending partner will be able to be located to meet your needs or that you will be approved for a loan. The lending partner may perform a credit check or otherwise verify the information you provide. Not all lending providers offer loans up to the advertised amount and not all lending providers can provide you with the loan amount you requested. Loan amounts are determined by the lending partner based on individual creditworthiness. All financial terms of the loan, including annual percentage rate (APR”), fees, charges, and repayment period will be provided to you by the lending partner and may vary by lending partner, state, and your individual creditworthiness. You are NOT required to accept the terms of the loan that a lending partner offers you. If you don’t agree with or don’t like the terms of the loan offered by the lending partner, do not electronically sign the loan documents. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only.

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