Overview
When Service Finance loan options are set up in ServiceTitan, technicians and office employees can offer Financing to customers by emailing them a link to their estimates in an online portal. Customers select from available financing plans and can apply for a Service Finance loan. Entering a loan amount shows estimated monthly Payments and determines which plans the customer qualifies for.
Who uses this feature
Office employees
Applies to all business types
Applies to all trades
Feature configuration
Account configuration is required. Please contact Technical Support for details.
Things to know
To use this feature, you will first need to:
Set up online Estimates — You can customize your Invoice email template to include the {OnlineEstimateLink} text.
Enable Service Finance in Online Estimates
Go to the navigation bar and click Settings
.In the side panel, click Integrations > Financing.
This opens the Financing page with 3 tabs: Providers, Settings, and Pre-qualifications.
Click the Settings tab.
In the Presentation section (Configure how financing is displayed to customers), check Allow customers to apply for financing through online estimates.
Once checked, an Online Estimates Provider drop-down appears — select which financing provider (for example, ServiceFinance) should be used for the Online Estimates flow.
Click Save.
This same Settings tab also includes Preferred Provider (the default financing provider used to calculate estimated monthly price) and Second-Look Provider (a backup provider offered to customers declined by your primary provider), plus a Presentation Type choice (Lead with total price / Lead with monthly payment / Only display total price / Only display monthly payment) that controls what customers see when applying for financing in ServiceTitan Mobile — these are separate from the Online Estimates setting above but live on the same page. Once enabled, the Service Finance integration is automatically included on all estimates accessed through the Online Estimates Portal.
Invite customers to complete the Service Finance application
You can invite customers to complete a Service Finance application by emailing them a link to view their estimates online, which can be done from both the mobile and office versions of ServiceTitan. For more information, see Send an online estimate.
Online estimates workflow
Send an Estimate email to a customer, which includes an estimates link to the Online Estimates Portal.
When the customer clicks the estimates link, the portal opens showing their estimates.
Note: Customers can click the As Low As link to view the payment and plan details. They can also choose to accept an estimate by clicking Accept Now, which is covered in Use Online Estimates.
When a customer clicks Apply for Financing, a blank Apply For Financing window opens.
The customer will need to enter the information to determine their loan amount and click Show All Plans. The available plans display based on the information entered.
The customer will need to choose a plan by clicking Select and then Next. The Applicant Information section displays.
Once the customer completes the financing application, they will need to click Next. Their information is submitted for a credit check.
The customer will then need to review their application prior to submitting and click Next.
After Service Finance processes the loan application, one of the following loan decisions is returned to the customer, which can take a few minutes depending on internet connection.
Approved — Loan was approved and can be used immediately.
Declined — Loan was declined. For guidance on how to get the loan approved, please contact Service Finance.
Under Review — Loan is under review. Please contact Service Finance for more details.
Counter Offer — The customer is approved for a plan that's different from the one they originally applied for. This loan can be used immediately.
If the customer receives an approved status, they are taken to the ESIGN consent page where they provide consent.
After consenting, ServiceTitan displays the loan agreement from Service Finance.
The customer will need to enter their name and sign the loan agreement. The loan is now active and available for use.
Want to learn more?
See Financing - FAQ