Financing Options

All of these applications can be done online OR in store. Please call us at (718)-257-6644 if you have any questions or concerns.

Option	Qualifications	Payment Plan	Approval Amount	Applications
1	Have you been employed – OR – Do you get Social Security or Disability Benefit? Do you earn $1000/month and deposit at least $500/month into your checking account? Has your active checking account been open for at least 3 months?	12 months payment plan 100 days – same as cash	Up To $5,000	NO CREDIT REQUIRED Application 1
2	Do you have a three-month history with your current employer or source of income? Do you deposit $1,000 or more into your checking account each month? Have you had a checking account for at least 90 days? Is your checking account free from NSFs, excessive overdrafts, and negative balances?	12 months payment plan 90 days – same as cash	Up To $5,000	NO CREDIT REQUIRED Application 2
3	Are you 18 years or older? Do you have valid Social Security Number or ITIN? Do you have active checking account? Do you have Debit/Credit card?	12 months lease to own 90 days – Purchase Option	Up To $5,000	LEASE TO OWN Application 3
4	Have you been employed – OR – Do you get Social Security or Disability Benefit? Do you have active checking account?	12 months payment plan 90 days – same as cash	Up To $5,000	NO CREDIT REQUIRED Application 4
5	Do you have Active and Stable Bank Account with corresponding Debit Card or a Pre-Paid* Card Account that has Direct Deposit? Do you deposit at least $800/month into your account? Do you have at least one dollar in your checking account? Has your active account been open for at least 2 months?	12 – 24 months payment plan 90 days – same as cash	Up To $5,000	NO CREDIT REQUIRED Application 5
6	Have you been employed – OR – Do you get Social Security or Disability Benefit? Do you earn $1000/month and deposit at least $500/month into your checking account? Has your active checking account been open for at least 3 months? You most have $40.00 Available on your Debit/Credit Card** Credit Check will perform on the customer as a part of application process	12-24 months payment plan 90 days – same as cash	Up To $5,000	WITH CREDIT CHECK Application 6
7	Have you been employed by the same employer for at least 24 months? Do you earn $2000/month or more? Do you work for the city, MTA, Police Dept., Hospital, School Safety, Bank or any good job? Credit Check will perform on the customer as a part of application process For final approval you must provide most recent pay stub	12-24-36 month payment plan Early payoff option available	Up to $6,000	WITH CREDIT CHECK Application 7

In the event that we can’t verify the information from the Online application you must provide the following documents in order to complete the application:

• 30 day bank statement
• Valid state photo ID
• Most recent proof of income.
• Voided personal Check

Length of Employment & Income is verified by at least one of the following documents:

A. Current Paystub with YTD
B. Social Security or Disability Benefit Letter stating how long you’ve received benefits, and how much you receive
C. Letter from employer (on company letterhead) stating length of employment and gross YTD
D. If you are self employed, you must have a 1099 and current bank statement, OR a business license and 3 months of bank statement

**Please note that when applying there will be a $40 hold placed on your debit card which is refundable after 21 Days if the customer chooses not to proceed with financing. if the customer cancell the credit approverl the the $40 will refunded and customer will be abell to appley after 30 Days.
*Pre-Paid Accounts that are not accepted: Comerica, Direct Express, American Express, Blue Bird, HR Block.