In-House Financing » No-Credit Check Programs

We have several no-credit check options.

Program 32 No Credit Check Program with approvals typically between 70 – 90%. Simple on-line application with instant decisions. No support documents required on most applications. Customers must have a checking account. NOT AVAILABLE in NJ, MN, VT and WI
• Amounts from $200 to $5,000
• $40.00 due at time of sale
• Traditional Plan: 9% discount to the retailer with 90 day no additional cost option (beyond the $40.00 paid at sale)
• No Cost Plan: 0% discount to the retailer with a 90 day discounted cost option (5.3% per month)
• Minimum monthly payment for the customer is 15% of the financed amount. For Example: On a $1,000 purchase price the monthly payment is $150.00 (paid weekly or bi- weekly). If paid over the maximum 12 months term, the total cost to the customer is $1,800. For No Cost Plan the monthly payment for the customer is 16.5% of the amount financed. 


Program 33 No Credit Check Program with approvals typically between 70 – 90%. Simple on-line application with instant decisions. No support documents required. Customers are NOT required to have a checking account. Debit Cards OK! AVAILABLE in ALL 50 States
• Amounts from $500 to $3,500 (case-by-case)
• First payment of 9% of the financed amount due at time of sale.
• 6.3% discount to the retailer
• Customer has a 90 day discounted cost option (5% per month)
• Minimum monthly payment for the customer is 9% of the amount financed bi-weekly. For Example: On a $1,000 purchase price the customer pays $90.00 at the time of sale and $90.00 every 2weeks.
• Five months minimum term. At the end of 5 months the consumer can either;
1.Continue for another 5 months term
2.Purchase the product at 50% of the product (terms are acceptable and negotiable)
3.Return the product to the lender
• Can be used for e-commerce businesses Good for Furniture, Jewelry, Appliances, Electronics, Mobile Phones, Tires & Rims, Audio and Tools.

Program 34 No Credit Check Program with approvals typically 90%. Simple on-line application with instant decisions. No support documents required on most applications. Customers must have a checking account or savings account. NOT AVAILABLE in NJ, MN, VT and WI
• Amounts up to $4,500
• First payment due at time of sale (collected by lender)
• 5% discount to the retailer
• Up to 36 months term (18 months term average based on life cycle of the product)
• No cost 90 day Promotion
• Monthly payments by customer
• Next day funding to the merchant
• Minimum monthly payment for the customer is approximately 15% of the financed amount. For Example: On a $1,000 purchase price the monthly payment is $150.00 (paid weekly or bi- weekly). If paid over the maximum 12 months term, the total cost to the customer is $1,800.
• Can be used for e-commerce businesses Good for Furniture, Appliances, Electronics. NOT AVAILABLE for Jewelry, Car Audio, Tires & Rims Program 35 No Credit Check Program with approvals typically between 70 – 90%. Simple on-line application with instant decisions. No support documents required on most applications. Customers must have a checking account. NOT AVAILABLE in NJ, MN, NC and WI
• Amounts from $250 to $2,500 (case-by-case)
• $39.00 due at time of sale
• Traditional Plan: 7% discount to the retailer with 100 day no additional cost option (beyond the $39.00 paid at sale)
• Minimum monthly payment for the customer is 15% of the amount financed. Good for Furniture, Mattress, Tires & Rims, Appliances, Jewelry (2+ location businesses only) 


Program 39 No Credit Check Program with approvals typically between 70 – 90%. Simple on-line application with instant decisions. No support documents required on most applications. Customers must have an active checking account for 90 days with no overdrafts (past 30days), and steady income for 6 months. NOT AVAILABLE in NJ, MN
• Amounts from $3,000
• 90 day SAC Option
• Lease payments 16% of the total per month - 12 month term (early buyout option)
• $40.00 due at the time of sale
• 7% discount to the retailer Good for Verticals, Furniture, Appliances, Tires & Rims, Mattress, HVAC


The best and most efficient way for us to help you get set up with the appropriate program for your business is to click on the button below and fill out the form. We will then send you a proposal of which programs you will be set up with. Enter the sale person's name as David Oguh in the first blank on the form.