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• Approvals up to $4000.
• No credit needed.
• 90-day early purchase option with a $10.00 purchase option.
• Second early purchase option (EPO) for customers who purchase after the 90-day EPO expiration date.
• Terms up to 12, 18 & 24 months for certain customers.
• Customers may immediately access their ‘open to lease’ unused approval amount and open up to 4 additional leases.

CLICK HERE TO APPLY

To Apply:

• Customer needs to be present in the store 
• A valid copy of their identification 
• Credit/Debit Card as secondary form of ID
• Approximately a 670-credit store 
• Be at least 18 years old

Open Accounts:

• A valid copy of their identification 
• A copy of the card if they have it, if not, a copy of a debit/credit card is needed

How it Works:

• Customers are given a credit limit based off of their credit score
• Months are determined based off the amount financed not the total amount of the invoice. 
• The customer will not be billed for their items until after they take possession of their merchandise. 
• The bill is received 30-45 days from delivery 
• If the customer takes possession of their merchandise on separate dates, it will be billed separately. 
• Two different payment plans
• 0% APR if Paid in Full: Customer will receive a minimum payment based off their total and they have the allotted months to pay off without interest
• Equal Payments: The total financed is divided by the total amount of months they have to pay off. 
• Customers are required to put 10% down unless approved by a manager. 

Application Process:

• The customer must fill out the application in its entirety
• Verify information and process 

Approved Application:

• Contracts can be written for up to the customer’s credit limit. Increases are available if the approved amount is not enough for the customer.
• Processing Applications: Call Synchrony to process the application, more than likely they will have to speak with the customer. 
• Denied Applications: Customer will receive a letter in 7-10 days explaining the reason for the credit decision

After the Application is Processed:

• Regardless of the credit application decision we need to attach the application and ID/credit card to the credit decision and place it in the appropriate folder. 
• Fill out the merchant information on the application 
• Give Synchrony application packet to the customer

Processing Transactions: 

• Need the customer’s account information and ID and credit card for EVERY transaction 
• The number of financed months on the contract needs to match the information put into STORIS
• The term is determined off the balance of the financing after the 10% is taken. 
• Customer needs to sign the authorization paperwork 
• Financing Packet 

For all customers:

• Signed Authorization
• Invoice
• Delivery Expectations/Policy
• Customers account number
• Customers Application
• ID and credit card information 

• No Credit Needed. Lease-to-own Financing.
• Easy apply via text, in store, or online.
• Receive a decision in seconds, with approval amounts up to $5,000.
• 100 Day Buyout Option
• Early Buyout Discounts (EBO’s) for customers who pay off outside of the 100-day window