We understand you're eager to know! After submitting your application, it will be added to our waiting list. We'll notify you of the decision within a few business days.

This credit can only be used at our partner stores. You'll find a list of participating stores right here on this page!

Absolutely! You can use your credit flexibly to purchase a single item or spread it across multiple purchases.

The guarantee check does not necessarily need to be in your name. You can use a check issued in another person's name.

Once you activate your credit, you'll have one month to make purchases at our partner stores.

In most cases, yes! On-time payments are a major factor lender consider when evaluating creditworthiness. By consistently making your current loan or credit line payments on time and in full, you demonstrate responsible credit management, which can improve your credit score and make you a more attractive candidate for future credit applications.In most cases, yes! On-time payments are a major factor lender consider when evaluating creditworthiness. By consistently making your current loan or credit line payments on time and in full, you demonstrate responsible credit management, which can improve your credit score and make you a more attractive candidate for future credit applications.

We understand that unexpected situations can arise. However, missing a payment can negatively impact your credit score and future borrowing ability. Here's what happens if a payment is missed:

• Late Payment Fee: A one-time late payment fee of 5% will be applied to the outstanding balance.

• Delinquency Reporting: If a payment is more than 30 days late, it may be reported to credit bureaus, which could lower your credit score. This can make it harder and more expensive to borrow money in the future.

• Collections Process: For significantly overdue payments, we may be forced to refer your account to collections, which can further damage your credit score and may involve additional fees.