Learn more below about our financing options.
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
Frequently Asked Questions
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.
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.
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.
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.
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.).
A: We will not be able to approve you at this time without a checking account.
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!
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!
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.
A: Your payments will be automatically deducted from your bank account on your paydays.
A: Your first payment will begin on the closest payday following a 10 day grace period from the date of your product delivery!
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.
A: The lender will allow you to go 10% over your approval amount.
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.