What is Aqua Finance? Everything You Need to Know

Aqua Finance is a U.S.-based consumer finance company that provides installment loans and financing solutions for home improvements, water treatment systems, and recreational products. 

Known for its dealer-driven model, Aqua partners with a wide network of retailers and service providers to help customers finance large purchases with flexible terms.

As of April 14, 2025, Aqua Finance began servicing accounts for former State Farm Bank loan customers, expanding its role in the consumer lending ecosystem.

Key Takeaways

• Aqua Finance specializes in point-of-sale lending for water systems, HVAC, roofing, and leisure products.
• It partners with thousands of dealers across the U.S. to offer simple financing solutions to customers.
• No coding or technical setup is needed by customers—applications are done through dealers or the customer portal.

What Does Aqua Finance Do?

Aqua Finance enables customers to finance large personal purchases through installment loan agreements. Its services are primarily accessed through a network of dealers—companies selling goods and services that require financing, such as:

• Water purification and filtration systems
• HVAC units and energy-efficient upgrades
• Roofing and home renovations
• Recreational products like pools and motorcycles

By offering instant loan approval, flexible payment terms, and quick funding, Aqua makes it easier for customers to manage purchases that would otherwise be unaffordable upfront.

Read More: What is Aqua Protocol?

How Aqua Finance Works

For Customers:

• Apply through a participating dealer or directly via Aqua's Customer Portal
• Get approved based on creditworthiness and Aqua’s proprietary approval models
• Begin monthly installment payments based on agreed terms

For Dealers:

• Use Aqua’s Dealer Portal to submit applications
• Get approvals that close deals faster
• Access support, training, and reporting tools

Aqua takes a holistic approach to credit, meaning they evaluate more than just credit scores—allowing more borrowers to qualify.

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Aqua Finance's Values and Approach

• Customer-centric: Aqua treats both borrowers and dealers with a focus on fairness, transparency, and support.
• Flexible approvals: Their underwriting model improves approval rates by evaluating broader financial health.
• Compassionate servicing: Aqua helps borrowers through challenges with empathy and solutions.
• Compliance-focused: Aqua operates under licenses across the U.S. and adheres to local and federal lending laws.

Read More: How to Buy Aquarius (AQUA)

FAQs

Is Aqua Finance a bank or a lender?

Aqua Finance is a non-bank consumer finance company. It partners with dealers to provide installment loans for customer purchases.

How do I access my loan or make a payment?

You can manage your account and make payments through the Aqua Finance Customer Portal on their website.

What if I was a State Farm loan customer?

If you had a loan through State Farm Bank, Aqua Finance took over servicing your account as of April 14, 2025. You can learn more through Aqua’s website or customer service.