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You must satisfy the following requirements to receive No Credit Check Financing.

  1. - Must be employed by the same company for at least SIX months.
  2. - Earn $1,000 a month and deposit at least $500 a month into your checking account.
  3. - Must have a checking account that has been open for at least THREE months.
  4. - No NSFs and no more than 5 protected overdrafts in the last 30 days.

Approval Process


A) Verify INCOME REQUIREMENTS of $1,000 a month for at least 6 months, with a:

  • Paystub showing 6 months of employement; or
  • S.S. or Disability Benefit Letter; or
  • Letter from employer with hourly wage and YTD on company letterhead.
  • If self employed - Provide a 1099 and 30 day bank statement or a business license and
          3 months of bank statement

B) Verify CHECKING ACCOUNT REQUIREMENTS with a 30 day bank statement that shows:

  • No NSFs & no more than 5 protected overdrafts;
  • Account open for 3 months;
  • $500 in deposits;
  • Does not end with a negative balance.

C) VOIDED CHECK (Or a Bank Account Verification Form)


Frequently Asked Questions

Q: What is the interest for this program?

A: This program has no interest because it is a lease-purchase contract. If you pay your balance off within 90 days, all you pay is the invoice price and the $50 Processing fee. If you take more than

the first 90 days to pay off the purchase, then you will pay 1.8 times the invoice total over 12 equa l payments.

(Example: on a $1,000 invoice, you will pay the $50 processing fee and 12 monthly

payments of $150; a total of $1,850)

Q: Will my credit be checked?

A: No, we will verify information from your most recent 30-day bank statement and pay stub.

Q: Does the price change if i Finance?

A: Yes all prices are discounted for cash on most items you just add 10% for financing.

Example if the item you want is $199, the finance amount would be $219.

Q: Can i finance everything i see on the website?

A: No some items are cash special items only.


Q: How long do you have to be employed to qualify?

A: At least six months with the same employer. The pay stub must show this and you may

need a December pay stub from the previous year or a W2 to show six full months of employment.

Q: How long will my account be active?

A: An approved account and contract are good for 31 days. If an invoice takes more than

31 days to deliver, then contact the store for an extension. If the extension cannot be given

or the delivery takes longer, you will need to reapply.

Q: How do I get started?

A: It is a two step process.  You can click below to get started. Once pre-approved you will
 need to fax all the supporting documentation with the reference number to 866-531-4923.  Once everything is faxed you will be notified of  decision within an hour. Or for any other financing questions please call 877-898-1970.

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All prices shown on the website are cash or debit prices. Prices are subject to change without notice.