Financing Terms
Effective Date: July 20, 2026
These Financing Terms govern payment methods, financing options, and related transactions offered through Mogo Mobility Inc. (“Mogo Mobility,” “Company,” “we,” “our,” or “us”). By placing an order through our website or utilizing any available financing option, you agree to these Financing Terms.
1. Available Payment and Financing Options
Mogo Mobility offers various payment methods for retail and wholesale purchases of power wheelchairs, mobility scooters, lift chairs, mobility accessories, and related products.
Accepted payment methods may include:
- Major credit cards
- Debit cards
- ACH electronic bank transfers
- PayPal
- CardConnect
- Affirm financing
- Klarna financing
- Other payment methods made available at checkout
Financing is optional. Customers may complete purchases using standard payment methods without applying for installment financing.
Available financing options, promotional offers, repayment periods, and eligibility requirements may vary based on customer qualifications, purchase amount, geographic location, and lender approval.
2. Third-Party Financing Disclaimer
Mogo Mobility does not provide, originate, underwrite, or service consumer loans.
Financing programs offered through our website are administered solely by independent third-party financial institutions.
Examples include:
- Affirm financing products provided by Affirm, Inc. and its lending partners.
- Klarna financing products provided by Klarna Bank AB, WebBank, or other authorized lending partners, depending on the financing program selected.
All decisions concerning:
- Credit approvals or denials
- Credit inquiries
- Interest rates
- Annual Percentage Rates (APR)
- Loan amounts
- Payment schedules
- Finance charges
- Late fees
- Default provisions
- Collection practices
- Prepayment terms
are determined solely by the applicable financing provider.
Mogo Mobility has no authority to approve, deny, modify, waive, or negotiate financing decisions or loan terms.
Customers utilizing financing services remain subject to the separate financing agreement provided by the applicable lender at checkout.
3. Financing Disclosures
Where required by applicable law, financing offers displayed on our website shall include appropriate disclosures regarding:
- Annual Percentage Rate (APR)
- Estimated monthly payments
- Repayment term
- Total financed amount
- Total repayment amount
- Applicable fees and charges
The actual financing terms available to each customer may vary based on creditworthiness, lender criteria, and other eligibility factors determined by the financing provider.
Customers should carefully review all financing disclosures and lender agreements before completing a financed purchase.
4. Payment Authorization and Payment Security
By submitting payment information and completing an order, you authorize the applicable payment processor to charge your selected payment method for the total purchase amount, including applicable taxes, shipping charges, and authorized fees.
Mogo Mobility does not store complete credit card numbers, bank account numbers, or payment credentials on its internal systems.
Payment information is processed through secure third-party payment providers utilizing industry-standard encryption and security measures, including compliance with applicable PCI DSS standards where required.
5. ACH Electronic Payments
Customers electing to pay via ACH transfer authorize the initiation of electronic debits from their designated bank account for the approved transaction amount.
If an ACH transaction is declined, returned, reversed, or rejected for any reason, Mogo Mobility may:
- Delay shipment
- Suspend order processing
- Require an alternative payment method
- Cancel the order where permitted by law
Returned-payment fees, bank fees, and administrative costs may be assessed to the extent permitted by applicable law and payment processing rules.
Customers are responsible for ensuring that sufficient funds are available when ACH payments are authorized.
6. Identity Verification and Fraud Prevention
To help prevent fraud and unauthorized transactions, all orders may be subject to:
- Identity verification
- Address verification
- Payment authentication
- Fraud screening procedures
Where fraud indicators or verification concerns arise, Mogo Mobility may:
- Request additional documentation
- Verify identity through third-party services
- Delay shipment pending review
- Reject or cancel an order
- Report suspected fraudulent activity to appropriate authorities
Failure to provide requested verification information may result in order cancellation.
7. Refunds for Financed Purchases
Approved refunds for purchases made using financing shall be issued in accordance with the procedures of the applicable financing provider.
Refunds may be:
- Credited directly to the lender,
- Applied toward the customer’s outstanding financed balance, or
- Processed through the original payment method, where applicable.
The financing provider determines how refunds affect:
- Outstanding principal balances
- Accrued interest
- Monthly payment obligations
- Financing account status
Mogo Mobility cannot alter lender processing procedures or guarantee specific lender refund timelines.
All product returns remain subject to our Return & Refund Policy, which is incorporated herein by reference.
8. Chargebacks and Dispute Resolution
Customers are encouraged to contact Mogo Mobility Customer Support before initiating a chargeback or payment dispute.
Upon receiving a complaint regarding products, shipping, billing, or customer service, we will make reasonable efforts to investigate and address the issue promptly.
Nothing in these Financing Terms limits a customer’s legal rights to dispute unauthorized transactions or exercise protections available under applicable consumer protection laws and payment network rules.
Where a chargeback is determined to be fraudulent, abusive, or unsupported by available evidence, Mogo Mobility reserves the right to:
- Restrict future purchases
- Refuse future financing transactions
- Recover amounts permitted by applicable law
- Suspend customer account access
9. Prepayment of Financed Balances
Customers may pay off financed balances early, subject to the terms of their financing agreement.
Mogo Mobility does not impose prepayment penalties for financing obtained through third-party lenders.
Any adjustment of interest charges, finance charges, rebates, or credits resulting from early payoff shall be governed solely by the applicable lender’s financing agreement and applicable law.
Customers should contact their financing provider directly for details regarding payoff amounts and prepayment policies.
10. Financing Terms for Wholesale Purchasers
Wholesale customers purchasing inventory for resale may be eligible for financing through participating third-party financial institutions.
Wholesale financing approvals are subject to independent credit evaluation conducted by the financing provider.
Unless expressly stated otherwise:
- Wholesale financing programs may differ from consumer financing offers.
- Promotional financing available to retail consumers may not be available for wholesale purchases.
- Credit limits, repayment schedules, and financing terms are determined solely by the financing provider.
- Refunds, canceled orders, returned inventory, and partial shipments shall be governed by both our Wholesale Terms and applicable lender policies.
11. Privacy and Data Protection
Information submitted during payment processing or financing applications is handled in accordance with our Privacy Policy.
Customers may be required to provide personal, financial, or credit-related information to financing providers, payment processors, and fraud prevention services.
California residents may exercise applicable rights available under California privacy laws, including rights relating to access, correction, deletion, and limitations on certain data-sharing practices where applicable.
Mogo Mobility does not sell customer banking information or credit information for monetary compensation.
Financing providers maintain separate privacy policies governing the collection, processing, storage, and use of borrower information.
12. Changes to Payment and Financing Programs
Mogo Mobility reserves the right to:
- Add new payment methods
- Discontinue financing programs
- Modify available payment options
- Change participating financing partners
Any updates to these Financing Terms will be posted on this page with a revised Effective Date.
Continued use of our website or placement of orders following publication of updated Financing Terms constitutes acceptance of those changes.
13. Governing Law
These Financing Terms shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to conflict-of-law principles.
These Financing Terms, together with our:
- Terms & Conditions
- Privacy Policy
- Return & Refund Policy
- Warranty Policy
- SMS Terms & Consent
constitute the entire agreement relating to payment and financing matters between the customer and Mogo Mobility.
Nothing in these Financing Terms shall limit any consumer rights that cannot be waived under applicable law.
14. Contact Information
Mogo Mobility Inc.
2150 Northmont Parkway, Suite P
Duluth, GA 30096, United States
Email: info@mogo-mobility.com
Official Website: www.mogo-mobility.com
For questions regarding payments, financing, billing matters, or order disputes, please contact our Customer Support team using the information above.