We Have 7 Ways to Finance You!!
It's fast, easy and secure
Option 1 (Good Credit, Credit Check) - (up to 60 months same as cash)
We have two credit check choices for option 1.
Synchrony Financial (formerly GE Capital) It's our own Credit Card, takes about 5 minutes to apply and will allow you some great options like up to 5 years with no interest and no money down! You will have to call the store at 334-221-8108 to apply for this one over the phone or come to the store. Synchrony Bank does not offer and online application. You can go here to read more and if you already have an account with us, this will take you to a link to register and pay your bill online. They have a paper application you must complete in person at the warehouse. Synchrony, if approved, would allow for a revolving account to reuse the approval amount while the account is open and in good standing. The minimum purchase is $399. This company has several promotions offering 6 months up to 60 months no interest. Print this application and bring to the store
Tower Loan, a privately-owned finance company, operates more than 180 branch offices in Mississippi, Missouri, Illinois, Alabama and Louisiana. The company is regarded as on the of the largest and most progressive independent finance companies in the nation.
Requirements needed: You will need to bring in a photo ID, and have a qualifying credit history.
Tower Loan offers up to 12 months same as cash & up to 24 month financing.
No down payment required.
- 12 months same as cash for purchases over $1000.00
- 6 months same as cash for purchases between $501.00 - $999.99
- 90 days same as cash for purchases between $300.00 - $500.99
Option 2 (OK Credit, Want to Build Your Credit, No Credit Needed) - (101 days same as cash OR Take up to 2 Years to pay) $50 Down Payment Required
American First is a Kansas based finance institution. This company takes a look at your recent credit history (not just your credit score) and makes a decision based on that history. Checking account is not required and payment using a pre-paid or payroll card are accepted. This option currently requries $50 payment at the time of purchase.
Requirements needed: NO CREDIT NEEDED, 18 years of age, gross at least $800 a month
American First offers 101 days same as cash & up to 24 month financing
Option 3 (Limited Credit, Want to Build Your Credit, NO Credit Needed) - (90 days same as cash OR Take up to 3 Years to pay)
Zibby is a New York based finance institution who reports to major Credit Bureaus. This option is good if you have a traditional checking account that has been open for 12 months. This is a good option if you have little to no credit, but have an active banking history.
- Apply. Fill out a simple, two-minute application.
- Instant Decision. Receive a decision within minutes of completing your application.
- Complete Your Transaction. Come in during our open Warehouse Sales hours to complete your purchase and make your 1st monthly payment with your debit or credit card. After that, you have 90 days to pay it off same as cash. Pay Zibby monthly for the items you need today. Own your product at the end of your term or buyout at any time.
Option 4 (Bad Credit, Want to Build Your Credit, No Credit Needed) - (90 days same as cash OR Take up to 2 Years to pay) NO DOWN PAYMENT REQUIRED
Okinus is a Georgia based finance institution who reports to Equifax (one of the three credit agencies). This is a good option if you want to get financed without a credit check. It will also assist in building or rebuilding your credit as they will report your payments to Equifax. This option currently requries 0$ payment at the time of purchase.
Requirements needed: NO CREDIT NEEDED, 18 years of age, gross at least $1200 a month, and have an active checking account open for at least 60 days with a debit card linked to the account for the initial payment
Okinus offers 90 days same as cash & up to 24 month financing
More information is available on their website: okinus
Approval amounts range from $300 - $5000.
Option 5 (Bad Credit or Prefer No Credit Needed)
(90 days early buyout OR Take up to 1 Year to pay)
This company is called Crest Financial. They are great if you have several overdrafts on your account but no NSFs in the last 30 days. This is a 3 month almost same as cash program. This option does not require a hard inquiry on your credit and is instead based off your monthly income. The program does have a $40 first process fee up front, however after that payment you have 3 months of interest free payments on your order. Your first payment would be 10-14 days after your purchase.
If you are absolutely sure you meet the following No Credit Needed criteria Click on the Link Below to fill out the form:
Option 6 (Bad Credit or Prefer No Credit Needed)
(90 days early buyout OR take up to 1 Year to pay)
We use several no credit needed leasing companies. Progressive Leasing offers a 90 days buyout option that only costs you a $49 initial payment. This is a great option for someone with bad credit.
If you are absolutely sure you meet the following No Credit Needed criteria -
Option 7 (Bad Credit / No Credit & -New Checking Account (open at least 90 days) ~ This Option has an early buyout program)
Acima is a great option for someone with Bad or No credit.
This option is not a true finance option but rather a lease to own. It lets you decide your payoff 12 months or less. Payments occurring weekly, bi-weekly or monthly. You make the payments each month and at the end of the term you own the merchandise. If you decided to pay off early, there is an early buy out plan for 90 days, you would pay the cash price + tax + $10. Payment due at the time of purchase: $50
To qualify: You must be 18 years or older, have a steady income of $1000 before taxes with a checking account open for at least 90 days with deposits into the checking of at least $1000 per month, no NSFs in the last 30 days and have a valid US or State photo ID.