Frequently asked questions

  • What can I finance?

    Any business essential equipment.

  • Are there application fees?


  • What factors are used to determine credit worthiness?

    The length of time in business, bank and financing references, business and credit bureau ratings are all used in the decision-making process. In order to offer the best products to our customers and offer processing efficiency, AEF utilizes third-party databases to acquire sufficient credit information during the application process.

  • What terms are available?

    36-84 month terms, other options may be available

  • Can I include soft costs and services?

    Yes you can.

  • What are my options to pay an account off early?

     Although there is no contractual right to pre-pay, if you are not in default we can agree to an early termination upon your written request.

  • Can I make payments online?

    Yes, you can access your current invoice, make payments, and print duplicates by clicking here Make sure to have your customer number and valid email address to log in. 

  • What is a pro-rated payment charge?

    The pro-rated charge covers the interim period between the commencement date and the first due date of your regular billing cycle. The amount of the pro-rated charge is calculated as 1/30th of the regular scheduled payment amount, multiplied by the number of days in the interim period. Any advanced payments you might have paid will be applied to cover the regular scheduled payments and not the pro-rated charge. 

  • What if I can’t make my payment?

    Please contact our Customer Care team at or 1.800.994.0016

  • Do I need to insure the equipment?

    You are required to carry insurance during the duration of the contract. If you have your own insurance provider you must submit proof of insurance to AEF. If proof of coverage if not fulfilled AEF will provide you with automatic insurance through our third party provider.

    For more information click here:

  • What is the title process?

    If you are purchasing from the same state as the registration, your vendor will be processing. If you are purchasing the equipment from a different state than registering, title will be sent to AEF for processing. Once AEF receives your title it will take 5-7 business days for processing.

  • When will I get my title?

    AEF holds titles until the end of your contract term. Once contract has been satisfied you can expect to receive it within 30 business days. Release time may vary due to state requirements.

  • How do I get my balance?

    You can visit our Customer Center 24/7 or contact our Customer Care team at or 1.800.994.0016

  • What is my payoff balance?

    You can visit our Customer Center 24/7 or contact our Customer Care team at