TOP Denial Reasons Below:
**Please make sure you submit correct information to be verified, #1 reason for denials is incorrect information.**
-Wrong Phone numbers or one digit off
-Wrong address numbers or mistyped wrong
-Wrong names or mistyped wrong
-Wrong E-mails or mistyped wrong
-Wrong birthday or one digit off
-Wrong zip code or city
-Wrong Bank Account numbers or 1 digit off
-Wrong Bank Routing numbers or 1 digit off
-Wrong payday dates
-Wrong income amount
- Mostly incorrect or typing error when submitting application is reasons for denial!!!
Thank you for your interest in purchasing products through our Financing Program. We offer NO CREDIT NEEDED option and a TRADITIONAL CREDIT option. Please read the information about each program below and choose which option is best for you.
NO CREDIT NEEDED OPTION(ALL CREDIT TYPES):
The No Credit Needed option is a good option for customers with BAD credit, GOOD credit, and EXCELLENT credit. This option gives you 12 months to pay but we STRONGLY encourage all applicants who use this method to pay their balance off in 90 days to avoid the high interest rates that starts at day 91. The requirements to be approved for this finance option is you have a VALID checking account without deliquencies and over draft fees in the past 3 months, you make at least $1,000 a month and you have been employed for at least 3 months.
Per the company owner, "Pay it off in 90 days or don't buy it." We do not want our customers eating those high interest rates if possible. The interest rate varies depending on the application.
**EXCLUDES WISCONSIN, NEW JERSEY & MINNESOTA. These state do not allow us to use the NO CREDIT NEEDED option in their state.**
TRADITIONAL CREDIT OPTION(CREDIT SCORE OF 500 or HIGHER):
This credit option is ideal for applicants who have GOOD to EXCELLENT credit. An estimated credit score of 500 or higher is required to be approved through this credit option.
ANY INFORMATION PROVIDED ON APPLICATIONS THAT ARE FALSE OR FRAUDULENT WILL BE AUTOMATICALLY DENIED. IF YOU ATTEMPT TO USE OTHERS INFORMATION IN A CREDIT APPLICATION, YOU WILL BE DENIED AND BLOCKED FROM FINANCING WITH US OR OUR FINANCIAL VENDORS.
ALL INFORMATION PROVIDED ON THE CREDIT APPLICATIONS MUST BE FACTUAL, TRUE AND VERIFIABLE!
Please select below to acknowledge that you have read and understand this statement. *