Financing

What are the requirements needed for the No Credit Needed plan?

To pre-qualify for the No Credit Needed plan follow the checklist below. Bring in the required documents to a location near you.

Income Requirements

• Must be employed for 6 months at the same company
• Must earn minimum income of $1000 per month (gross)

Checking Account Requirements

• Open and active for 3 months
• No overdrafts for the last 30 days
• $500 per month of deposits
• Does not end in a negative balance

Documents Needed

You MUST come prepared with ALL of the following: Pay stub and W-2 or year-end pay stub, OR Social Security or disability letter, OR 1099 or business license

In addition to the following items:

• Most recent 30-day bank statement
• Voided check or completed bank verification form
• Photo ID and a copy of your Photo ID on paper
• $40.00 processing fee
• You MUST provide a voided check or bank verification form to prove that you meet the above requirements.

Photo ID

You MUST provide a valid form of photo ID during this process.

How do I make payments?

Payments are automatically withdrawn on your paydays. For a $1000 invoice your payments are $150 per month. If you are paid weekly, your payment will be $34.62 every payday for 52 payments. If you are paid bi-weekly, your payments are $69.23 for 26 payments. Monthly payments, which include Social Security benefits, V. A. Benefits and Disability income, will be for $150.00 a month, for 12 months.

What if I do not have a checking account?

You cannot qualify without a checking account. For approval you must have a checking account and provide a voided check. If you don't have a check to void, we will provide a Bank Verification Form for your bank to complete and stamp.

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