Requirements for approval:
1) Active Checking Account
2) $1000 verifiable income per month (if you get paid in cash, this is okay)
3) SSN or ITIN
4) ID or Passport or Matricula | Consular
We have several financing options. 90 days same as cash financing.
$39 down - CLICK BANNER BELOW TO APPLY
$49 processing fee
You can apply here: CLICK HERE TO APPLY
$39 processing fee.
$40 processing fee.
You can apply CLICK here for ENGLISH or here for SPANISH.
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 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 equal payments. (Example: on a $1,000 invoice,
you will pay the $49 processing fee and 12 monthly payments of $150; a
total of $1,840)
Q: Do I have to come into the showroom to complete the contract?
A: YES. All contracts are completed in the showroom as we need to
verify identification as well as complete the financial contract.
However, it is recommended that you get approved via the online
application prior to coming into the showroom.
Q: How long will my account be active?
A: An approved account and contract are good for 90 days. If an
invoice takes more than 90 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: What happens if the order is not in stock (special order)?
A: Once you are approved, we will order your items. Most items take 2-4 days to arrive. You will then be able to pick your items up or have them delivered to you.
Q: Where do I mail my payment? Can I pay online or by phone?
A: Payments will be debited out of your checking account by ACH and
by the frequency of your payroll (i.e. Weekly, Bi-Weekly, etc.).
Q: What if I do not have a checking account?
A: We will not be able to approve you at this time without a checking account.
Q: What if I DO have overdrafts on my checking account within the last 30 days?
A: We will not be able to approve you at this time, but you may
reapply as soon as there is a 30 day history with no overdrafts-we only
look at your last 30 days bank activity!
Q: Do you need literally the last 30 days of bank activity or just my last statement?
A: We can not accept ATM print outs. We can accept your last bank
statement that was either mailed to you, printed out at the bank, or one
that you have downloaded from your online banking site. You can also
send or bring a 30 day print out from online or from your bank!
Q: What will my payments be?
A: We do not know what you payments will be until you have picked out
your product and we have sent that invoice to the lender. They will
send us back the contract that will have all info and payments for you
to review before you sign the contracts. Your payments will be approx
15% of the total invoice amount monthly payment.
Q: How do I make my payments?
A: Your payments will be automatically deducted from your bank account on your paydays.
Q: When will my first payment be deducted?
A: Your first payment will begin on the closest payday following a 10 day grace period from the date of your product delivery!
Q: What amount will I get approved for?
A: You total amount approved for is based on your income and your
deposits into your bank account, the lender sets this amount we do not
know until we get your approval back.
Q: Can I go over my approval amount?
A: The lender will allow you to go 10% over your approval amount.
Q: How does this program work?
A: Technically it is a lease/ purchase program. The “lender”
purchases the product from us, and they “lease” it to you. At the end of
the lease you own the product free and clear. For example if you were
to purchase $1,000 of furniture, your minimum payment would be $150 per
month for 12 months. So you would be paying a total of $1800 by the end
of the lease term. But if you wanted to pay off the $1,000 balance
within the first 90 days you would not be charged any interest or lease
fees, you would only pay the $1000 invoice amount,plus the $40 down
payment, nothing more! But if you wanted to pay it off after the 6th
month, you would have already paid in a total of $900, towards the $1800
total lease amount, so there would still be a remaining balance of
$900. You would be able to buy out the lease contract for 65% of the
remaining balance which would be ($900 x 65% = $585) $585. So total you
would have paid $900 in monthly payments and a $585 buyout for a total
of $1485. But again if it is paid off in the first 90 days, there will
only be the amount purchased plus the initial processing fee.
Errors in prices may occur. We reserve the right to correct any errors.