No Credit Check Financing

NO CREDIT CHECK Financing Offer now offers a simple and easy way to get the financing you need without a credit check. Our goal is to get you the financing you need, regardless of your credit history. With our new No Credit Check option, simply print out and complete our No credit check application ( or call us and we'll send you one ), follow the steps below and bring the necessary materials to our Showroom. It's that easy !

How to apply ?

a)  Apply Online and get an Instant Approval. Just fill out the Online Application ( 5 minutes ), and get an automated answer. No credit check !! , all based on your work and income.    

b)  We also can fax, e-mail or mail an application to you. Or you can come to our Showroom with all the documentation necessary and fill the application out.



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

  1. Must be employed by the same company for at least SIX months, or within the same industry ( no temp. services ).
  2. Earn $1,000 a month and deposit at least $500 a month into your checking account.
  3. Must have a checking account that has been open for at least THREE months, and have at least 5 transactions to be considered active.
  4. No NSFs and no more than 5 protected overdrafts in the last 30 days.


If the above Requirements are met, bring the following documents:

 - Last 30 days of Bank transactions ( which is not the same as Bank Statement; you can print it out online or at your Branch )

 - Most recent paycheck stub with year-to-date information.

 - Voided check OR Bank Account Verification Form. ( check must match the account # on Bank Statement ).

 - Copy of photo I.D.

If SELF-EMPLOYED: simply provide the last three months of Bank statements, a voided check and photo I.D.

OTHER TYPES OF INCOME: ( Retirement/SS/VA/Long Term Disability ): MUST provide benefit letter verifying income, the last 30 days
Bank statement, a voided check and photo I.D.


Other: Prospective Applicants MUST apply and provide documents on the Showroom. Qualified amounts are set according to Bank activity and balances.
                Once approved, Customer will sign: Contract agreement, ACH Authorization and Receipt of Goods. There will be a $ 40 approved application fee.


Frequently Asked Questions

Q: What is the interest for this program?

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 $40 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.  (Example: on a $1,000 invoice, you will pay the $40 processing fee and 12 monthly payments of $150; a total of $1,850)

Q: Will check my credit report?

A: No, we will only verify information from your most recent 30-day bank statement and pay stub.

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

A: At least six months with the same employer.  The pay stub must show this and you may need a December pay stub from the previous year or a W2 to show six full months of employment.

Q: How long will my account be active?

A: An approved account and contract are good for 31 days.  If an invoice takes more than 31 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.

Q: What happens if the order is not in stock (special order)?

A: This program is still available; wait until the merchandise is in stock and you are ready to schedule delivery/pickup before applying.  If you are not approved, the special order deposit will not be refunded.

Q: Where do I mail my payment?  Can I pay online or by phone?

A: Monthly payments will be debited out of you checking account by ACH every month on the same date the contract is signed, not the delivery date.

Q: How many payments do I get ?

A: Maximun of 12 payments. You may use the 90 days Buyout option.

Q: Can I choose my payments date ?

A: Payments can be set up to come out on your Payday.