Did you know that you can finance an agency fee? From time to time we’re asked if we can finance a fee that an agency charges their client. The simple answer is yes. The issue here is whether or not the fee is refundable. If the fee is refundable it can be financed, as long as, the agent agrees to return the unearned portion in the event the contract is canceled early. Typically, the finance company will ask the agent to sign an agreement that states they will return the unearned fee within 30 days of cancelation. By financing the agency fee it gives your insured increased flexibility with their down payment.