Remember there are some restrictions on who can be approved for financing. To start, there is a minimum credit score of 540, and it's subject to the lender's approval (not Thryv or ThryvPay's) as to who gets accepted. There are also other factors such as the customer's debt to income ratio which are included. In my experience, it hasn't happened to me and seems to be pretty rare that this happens. However the customer can contact Wisetack directly to appeal the decision.