NO CREDIT NEEDED - Most Common Questions

  1. Is approval based on my credit?

  2. Do I need credit to get approved?
    No. You must be 18 years or older to apply.

  3. What if I have a Bankruptcy?
    Your Bankruptcy should not affect your approval.

  4. What determines if I get approved?
    Your banking history and employment/pay amount.

  5. Do they accept Debit Card Accounts?
    No. You must be establish with a Banking Institution that supplies a Routing & Bank Account Number.

  6. Why do the finance companies ask for my Social Security number if there is no credit needed?
    They are verifying your identity and other verification factors.

  7. How much will I get approved for?
    Approval amount is based on your monthly income.

  8. When will I know if I got approved?
    Once you complete the Online Application, you will get an answer instantly, on screen or via email.

  9. How do I pay?
    Your payments will be drafted from your checking account. Payments can be made weekly, bi weekly, or monthly. However, if you want to pay it off in 90 days, most No credit programs offer a 90 day cash option.

  10. Can I apply in the store?
    Yes. Please bring the following documents: Driver License or ID, Social Security Card, and Checking account and routing number.