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Why Was an Application Declined?

At HFD, we strive for nearly 100% approval rates, but there are still instances where applications may be declined. Below are some common reasons why an application may not be approved.

Common Reasons for Declines

  • Exceeding Credit Limit – The applicant may have exceeded the allowable credit limit based on their credit. This is often the case with the HFD Highline program for customers in the subprime and below subprime credit range. If this happens, consider applying for a different service with a lower finance amount. Just keep in mind that only the requested services can be provided.

  • Below Credit Limit – Applications may be declined if the financed amount falls below the minimum after the down payment.
    • For example, if the program minimum is $300 and an applicant applies for $400 with a $200 down payment, the remaining $200 falls below the minimum, leading to a decline. 

  • Open Bankruptcy – If the applicant has an active or open bankruptcy, their application may will declined.

  • Government Watchlist – Applicants who appear on an official government watchlist may not be eligible for approval.

  • Delinquency on an Existing HFD Account – If the applicant has an overdue or delinquent balance on an existing HFD account, their new application may be declined.

Applicant Notification

While the exact reason for the decline may not be displayed on the screen, the applicant will see a message indicating that their application was not approved. Additionally, they will receive a notification by mail with more details.

What Can Applicants Do Next?

If an applicant believes their application was declined in error or they want to address any issues, they can:

  • Review their credit status and ensure they meet eligibility requirements.

  • Resolve any delinquent balances with HFD before reapplying.

  • Contact HFD Provider Support for further clarification on their application status.

If you have any additional questions, feel free to reach out to our support team for assistance!