thread Re: Will my offer expire? Hoping for better terms in Banking With Square

Will my offer expire? Hoping for better terms

VLPSEP — Sat, 20 Sep 2025 12:07:00 GMT

We are about 90% into paying off our current loan and got an offer for a new loan but it is lower than we hoped for.

We’re evaluating if we want to continue paying off this current loan to potentially get a better offer. Will the new offer expire? If so, how long do we have to decide? The offer came this past Saturday, August 16th.

Re: Will my offer expire? Hoping for better terms

Minion — Tue, 19 Aug 2025 23:01:34 GMT

HI again @VLPSEP

Offers through Square Loans are only available for a limited time. They (Square) are constantly evaluating your account (even if you have an active offer), this is done on a daily basis. You’ll continue to see an offer for as long as you are eligible. Offers are based on a variety of factors, including recent Square processing volume, payment frequency, outstanding balance, and account activity.

Unfortunately there really isn't a set in stone type of deadline.

Re: Will my offer expire? Hoping for better terms

Twpchair — Wed, 20 Aug 2025 09:04:03 GMT

I’m surprised you still have the offer! They don’t usually stick around long like @Minion said they update every night as long as you are processing. Holding on is a 50/50 shot. For some people, it works, and others drop lower.

Re: Will my offer expire? Hoping for better terms

Abby_M — Fri, 29 Aug 2025 21:19:44 GMT

Hi @VLPSEP

Thanks for posting on the Seller Community.

You’ll continue to see an offer for as long as you are eligible. Eligibility is based on a variety of factors, including recent Square processing volume, payment frequency, outstanding balance, and account activity. Offers are only available for a limited time meaning offers can expire or fluctuate.

Please contact us directly if you have any other questions.