Financing FAQ's
How does your financing work?
Once you Apply for financing, we will process your application within 24-48 business hours (usually same day). A finance representative will contact you within the 24-48 business hours by EMAIL, TEXT, or PHONE with the information you provide to discuss our BEST available finance options and payment plans for the product you're interested in financing.
What financing options do you offer?
We have several options.
Traditional Financing 0% up to 24 months
No Credit Needed Financing 90-100 Days Zero to little interest/fee
Afterpay at Checkout (We have no control)
Sezzle at Checkout (We have no control)
Shop Pay at Checkout (We have no control)
Additionally, we have Non Financing Guaranteed Payment Options.
What are your rates?
We offer the best at 0% Interest up to 24 months. We also have other options that has interest depending on application. We will offer the best available to the applicant.
What is the No Credit Needed?
The no credit needed is an option that any applicant can be approved for, whether good or bad credit with zero to little interest as well. It is based on the application you submit. Minimum requirements needed is Valid Checking account, deposits of a minimum of $1000 in a banking account, and no overdraft fees or bad banking transactions.
What is the Guaranteed Payment Option?
This option is not financing & does not require any personal financial information or credit information. This is offered to anyone and everyone. It will set you up a payment plan with no interest for up to 12 months. You choose your payment plan and set your own terms and once it is fully paid it will ship your items. In other words it is setup similar to a layaway plan, however it does not layaway your products until the balance is paid and then it will checkout your products and ship. Feel free to contact us about this option.
Do you accept all bank accounts with the No credit needed?
Any bank that is considered a Brick and Mortar bank and or national banks are accepted, prepaid card bank accounts may not accepted due to not being a legitimate FDIC bank.
Will this affect my credit score?
We do run a credit check on every applicant who applies under the traditional and no credit needed finance options so it will affect your credit score. If you want a no credit check option, contact our finance department to discuss the guaranteed payment options.
Can I apply over the phone?
No, Due to security and applicants personal information, we can only accept applications in store or online on our secure website.
What does my credit score need to be?
We accept all credit scores. Everyone can apply. In financing generally, the higher the score the better your terms will be. However in our financing it is not all about the credit score.
Will your financing help my credit?
Absolutely!! You will be reported to the credit bureaus, and we have a lot of customers who say we helped their credit tremendously!!
Can I make extra payments?
Yes! You will want to make extra payments to pay your balance off before your deadline.
Are there any fees?
We do not charge fees. However dependent on the applicant, certain contracts may require a setup/processing fee.
Is there any money down?
We require no money down. If you go over your limit, you will have to put money down for the difference. Some finance companies may want an initial payment up front.
I see you offer a no credit check?
This is only for the guaranteed payment option offered through our finance department (does not require any personal application or credit information). Please contact the finance department to discuss the guaranteed payment option. We DO NOT advertise or offer a No Credit Check for our financing!!!! This is confused a lot by our applicants, We Advertise and offer the NO CREDIT NEEDED option for financing. Meaning you don't need good credit to get approved for the financing. These options have no credit checks on our website, Shop Pay, Afterpay or Sezzle options at checkout.
I want to apply for financing but do not want a credit check?
Do not apply for our financing. Contact our finance department to use our Guaranteed payment option or use our Shop Pay, Afterpay or Sezzle options at checkout.
Do you check credit?
Yes, on every finance application we check credit. The credit check is to check your credit and also match your application with your credit profile to find the best financing terms to offer you.
I applied a couple of days ago and haven't heard anything?
Once you submit your application to our finance dept, you will instantly get a copy of your application sent to the email you submitted on your application to verify your submission. (Check spam folder) If you have not received an email then we didn't get your application and there is a problem with your application or email and you will have to Re-apply with the correct information or contact the finance department.
When I applied I submitted the wrong information or mistyped it. How can I fix that?
Once you submit an application you must agree that it is true and verifiable before submitting. However once submitted we can not change any information you submit. You can contact the finance dept and request to cancel that application and resubmit a new application with correct information.
I have not heard anything and my application was correct?
It takes 24-48 hrs to process applications, if you haven't heard anything yet they may still be working on your application. Please keep an eye out for an email or call/text from our store. We must contact you no matter the outcome of your application status.
I forgot to pay it off in time. What can I do?
This is understandable. We all forget things from time to time. We will suggest contacting the finance company you're working with and discuss the options available to keep the good terms up!
What is my interest rate?
We always offer 0% interest financing options. Some applicants may not qualify for 0% interest and get 1.99%. However most of our applicants will be guaranteed 0% terms.
I am filling out the application and I don't really want to put my personal information online?
No problem! You can just drop by the store and submit your application in person. Our website is encrypted to be secure due to the private information that is being submitted.
Do you only offer financing to local residents?
We can accept applications from anyone in the lower 48 states
I am 4 hrs away. How can you finance me?
No worries! We can finance you through our website and get your products to you by delivery or shipping!
Do you offer in-house financing?
We do not offer “In-house financing”. We do offer similar financing that is almost the same but with a certain finance company to accomplish the same thing.
I was contacted by a finance company asking for the same information I submitted on my application?
That is possible. They are verifying that you are that person and the information is correct. Please respond accordingly. Our store will contact you once that finance company completes the process to discuss possibly their financing options.
I was approved. What should I do?
Congratulations on the approval. You will be contacted if not already by email, phone/text from our finance department for the next steps to take in order to complete the process!
Finance company emailed me or called and said I was approved, what do I do now?
That's good news. When you are notified by them, we are being notified by them as well!! Please be patient while we continue communicating with that finance company on the final steps with that approval to see what the next steps are in order to complete the process. Our finance team is working to gather everything to finalize documents and processing for you. A representative from our store must and will contact you by email, phone/text to explain the next step using that company to make this easy. Please do not agree to anything with the finance company until we contact you with their process. We need to make sure they are offering the best rates to you.
I was denied financing and you advertised No Credit Needed and that is false advertising?
We advertise any and all the financing options we offer. We don't offer guaranteed financing, however we do have a 95% approval rate. There is a number of reasons why you may be denied and here is a list of the few reasons- wrong income, wrong banking account#, wrong name, minimum requirements not met, application errors and more.
Do you offer Guaranteed financing?
We wish we could but we do not offer guaranteed financing. Our approval rate is 95%, so we can almost guarantee it. However we do offer Guaranteed Payment options now, this is guaranteed to anyone and everyone. Please contact us for that option.
I was approved first and now denied why is that?
If you were approved and then overturned to now being denied it means something in the application process is coming back that was not correct, it could be a reporting error by employer, bank, etc… Request the reason why if that happens from our finance dept.
I was denied, can I apply again?
Yes, if you were denied financing from our store. Do not be upset, you can re-apply in 30 days. We have great success with applicants re-applying in 30 days since their first denial.
What can I finance?
Anything and everything is allowed that we sell!
Can I buy from somewhere else using your financing?
No, you are only allowed to use our financing with our store. Non Transferable.
What will my payments be?
Payments are determined upon application approval. Our team will look at the best options with 0% interest and see what the best options are available to offer.
Example options-
Financing 0% for 24 months for a $2400 item= $100 monthly.
Financing 0% for 18 months for a $725 item= $40.28 monthly