Overview

Amazon offers financing options to eligible sellers through its Amazon Lending program, and understanding the terms of your loan agreement is essential before accepting any funds. Your loan agreement contains critical details about interest rates, repayment schedules, and other conditions that directly impact your cash flow. Here's how to locate and review your loan agreement within Seller Central.

Key Points / What Sellers Need to Know

• Loan agreements are accessible within Seller Central — You don't need to contact support or search through emails to find your lending terms. Amazon provides direct access through your account dashboard.
• Terms and conditions vary by seller — Each loan offer is tailored to your account's sales history and performance, so the interest rate, repayment period, and loan amount will differ from what other sellers receive.
• Reviewing before accepting is critical — Once you accept a loan, repayments are automatically deducted from your disbursements, which can significantly affect your available balance.
• Multiple loans may appear — If you've received more than one loan offer or have a history with Amazon Lending, you may see multiple agreements listed under your account.

How to Access Your Loan Agreement

To view your loan agreement, navigate to the Payments section within Seller Central. From the drop-down menu, select the appropriate payments view, then click the dedicated tab on the payments page that displays your lending information. If you have an active loan or loan offer, you can expand the details by clicking the plus button next to your account number. A direct link to your full loan agreement will then appear, allowing you to review all terms and conditions associated with your financing.

Understanding Your Loan Terms

Amazon Lending loan agreements typically outline several important details that sellers should review carefully. These include the total loan amount being offered, the fixed interest rate applied to the balance, and the repayment schedule — which usually involves automatic deductions from your regular Seller Central disbursements over a set period, often between 3 and 12 months. The agreement will also specify any conditions under which Amazon may modify repayment terms, as well as what happens if your account experiences performance issues during the repayment period. Sellers should pay close attention to the total cost of borrowing, not just the interest rate, to understand the full financial commitment.