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The “No Credit needed Financing Program”

Pre-Qualifying Question and Requirements;

 You must satisfy the following requirements to receive No Credit needed Financing.

Have you been employed by the same employer for at least six months?

Do you earn at least $1000.00 gross per month income and deposit at least $ 500.00 per month into your checking account?

Do you have a checking account open and active for three months at least?

No bounced checks or more than 5 protected overdrafts, does not show any negative balance in the last 30 days.

Two references: family not living with you, names and phone numbers.


Approval Processing


A) Verify INCOME REQUIREMENTS of $1,000 a month for at least 6 months, with a:

Pay stub showing 6 months of employment; or

S.S. or Disability Benefit Letter; or

Letter from employer with hourly wage and YTD on company letterhead.

If self employed - Provide a 1099 and 30 day bank statement or a business license and 3 months of bank statement

B) Verify CHECKING ACCOUNT REQUIREMENTS with a 30 day bank statement that shows:

No Bounced checks & no more than 5 protected overdrafts;

Account open for  at least 3 months;

$500 in deposits monthly into your checking account

C) VOIDED CHECK (Or a Bank Account Verification Form)



Frequently Asked Questions

Q: What is the interest for this program?

A: This program has no interest because, If you pay your balance off within 90 days, all you pay is the invoice price and the $40.00(forty dollars) Processing fee at the time you sign

Q: Will my credit be checked?

A: No credit needed. The information from your most recent 30 days bank statement and pay check stub will be verified.

Q: Does the price change if I Finance?

A: YES all prices are discounted for cash on most items. Regular prices will applied if financed

Q: Can I finance everything I see on the website?

A: Yes, at regular price, some items are cash special items only. 

Q: How long do you have to be employed to qualify?

A: At least six months with the same job (Company).  The check stub must show your year-to-date total to your duration of employment.

Q: Does my Disability – Social Security, or retirement count as Income?

A: YES, as long as your income from any of the above mentioned is more than $1,000.00 per month and the check is in your name, not being beneficiary for someone else.

Q: How long will my account be active?

A: An approved account and contract are good for 90 days. After 90 days the account will expire regardless of which status the account is in.

Q: How do I get started?

Just click on the front page 90days same as cash and it will take you to only couple of minute......