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Complete the credit application. You will be asked to provide your basic demographic information including your monthly household income. Remember to add the income of everyone in your household including your spouse’s if applicable, even if you are applying just for yourself. You will be prompted to set-up an account to access the customer portal. Your email address will be your User ID; you choose your password.
Within 60 seconds you will receive your initial credit decision; either an approval or a denial. If you are approved move on to Step 3 of the process. If you have been denied, you will receive a letter in the mail with the specific reason(s) for the denial.
Upload an image of your current state issued photo identification and recent paystub within the past 30 days to the customer portal. U.S. Credit will not accept information via fax or email.
Contact the participating dealer or manufacturer that you are purchasing from to place your order. Please call us and we will be happy to provide you with the contact information. Remember the minimum financing amount is $500.00.
When your product invoice is complete you will receive an email from email@example.com with a link to your documents. You will be prompted to electronically sign your documents. Once the e-signature process has been completed U.S. Credit, Inc. will disburse payment directly to the dealer. You will be notified by the dealer when your order is complete and your purchase is ready to be picked up or shipped.
What are the interest rates and other terms of the finance program?
The annual percentage rate (APR) charged will be 17.99%. The contract rate will remain fixed for the duration of the contract. Your high credit will be dependent on your FICO score. The financing terms range from 18 to 48 months based directly on the total amount financed. The first contractual payment installment will be due 30 days from the date of signed documents and each month thereafter. Subsequent monthly installments will made through the borrower’s method of payment each month. The minimum financed amount is $500.00. Not all buyers may qualify.
What is the ‘Same as Cash’ option?
Your Installment Contract for your purchase may be paid in full at any time within the Promotional Period indicated on the contract from the date of disbursement (“Promotional Period”), and upon payment in full of the promotional balance within the specified period, any accrued finance charges will not be charged to your account.
Regular monthly payments in the amount shown on your contract will be due on the monthly date during the Promotional Period in accordance with the payment schedule shown on your contract. However, larger payments may be made at any time to pay the promotional balance in full before the end of the Promotional Period.
If you do not pay the promotional balance in full within the Promotional Period or if you fail to make all regularly scheduled payments during the Promotional Period in full and on time, then the accrued finance charges will be charged to your account.
Are there any pre-payment penalties for paying off the loan early?
You may pay off your contract in full at any time without penalty.
How long do I have to spend my full approved amount?
The credit amount that you were approved for is good for 30 days from the date you receive your approval. Minimum credit amount must be at least $500.00. The maximum numbers of open financed contracts are restricted to two (2) up to your approved high credit. Be sure to read ALL of the contract disclosure information and if you have any questions feel free to contact U.S. Credit, Inc at (844) 223-2632 or firstname.lastname@example.org.
Are there additional fees, costs or taxes?
There are no fees associated with the application process. Any shipping and handling costs charged by the dealer may be added to your final invoice. These fees will be included in the financed amount. Taxes will vary from state to state. There is no money down required.
How do I make payments?
Your payments will begin 30 days from the date you sign the loan documents. You will have a choice of paying by ACH-automatic withdrawal from your bank account, debit/credit card or by check. You will have access to an on-line customer portal where you can make payments and manage your account.