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FlexShopper vs National Credit Direct

There are numerous online stores and retailers that specialize in rent-to-own financing. This guide examines two popular payment plan businesses: FlexShopper vs. National Credit Direct.

FlexShopper vs. National Credit Direct

The rent-to-own business model has become widely prevalent over the years, enabling customers to conveniently pay for their merchandise and ultimately gain ownership. This guide examines two popular payment plan businesses: FlexShopper vs. National Credit Direct.

The rent-to-own business has widely expanded into a multimillion-dollar industry by primarily concentrating on providing big-ticket purchase items like furniture, electronics, accessories, appliances, etc. These businesses offer excellent, flexible, and affordable payment plans, allowing customers to pay for their most sought-after merchandise over a specified period with hassle-free, quick approval, and credit checks.

The rent-to-own business model has become widely prevalent over the years, enabling customers to conveniently pay for their merchandise and ultimately gain ownership. There are numerous online stores and retailers that specialize in rent-to-own financing. This guide examines two popular payment plan businesses: FlexShopper vs. National Credit Direct.

National Credit Direct

If you are someone who takes great advantage of the rent-to-own business model and a frequent rent-to-own shopper, you may not have heard about National Credit Direct.

Even though National Credit Direct differs from rent-to-own businesses in more ways than one, and the company is probably much different from what you expect it to be, its excellent program surpasses every other rent-to-own purchase program you might ever come across.

Having said that, National Credit Direct is like a lease-to-own/hybrid finance company that provides a vast range of similar payments and products like any other rent-to-own store. It provides affordable and flexible payment plans, reports to credit bureaus, and assists thousands of individuals in purchasing big-ticket purchases, which are otherwise hard to buy upfront.

National Credit Direct's ability to offer no-credit-check financing and an easy approval program is what differentiates it from other businesses. This indicates your approval is guaranteed, and your payment history will be reported.

New customers must make an initial payment and develop a relatively short consecutive payment history. However, this only applies to your first purchase with National Credit Direct, after which you can order anything, and it will be shipped to your doorstep. If you have suffered from credit issues beforehand or are still suffering from them, and you would prefer unnecessary interest rates and hidden charges, National Credit Direct is your best bet for rent to own.

Apart from boasting a plethora of merchandise from top-notch brands at flexible and affordable plans, National Credit Direct will report your unsecured credit line every money to a reputable credit bureau.

National Credit Direct is an excellent rent-to-own store for those wishing to save money. It is relatively less costly compared to other rent-to-own stores. Moreover, the company takes great pride in having the best loyalty programs in the rent-to-own market.

Much like the points you receive on your credit card, National Credit Direct rewards its users 100 points for each dollar they spend. These points you collect over time can be redeemed for free merchandise or cash back.

However, if you are trying to sort your finances in an orderly manner or wish to finance your own home or car one day, National Credit Direct is your best bet. By offering top value and giving you a chance to establish a solid payment history and get it reported, National Credit Direct surpasses all other rent-to-own stores.

Product Offerings

National Credit Direct has been operational since 2006 and, since then, has been serving thousands of people. The company offers more than 15,000 consumer merchandise and goods across a vast array of categories. Some of these categories consist of the following:

  • TV & Home Entertainment
  • Laptops & Computers
  • Cell Phones & Tablets
  • Gaming PCs, Consoles & VR
  • Drones
  • Wearable Technology
  • Music and Sound
  • Home, Furniture & Décor
  • Major Appliances
  • Small Home Appliances
  • Better Sleep
  • Jewelry & Fashion
  • Outdoor, Fitness & Health
  • Children’s Corner

Service Levels: How Does National Credit Direct Work?

After your first purchase, you will no longer need to go through this process again, provided your account is operational and in good standing. National Credit Direct ships extra purchases once you place an order. The balance will be applied to your revolving account contract.

The payment you make might stay the same on the following purchase. As a result, this doesn’t impact your budget. Having said that, here are the steps for how the National Credit Direct no-credit-check approval process works:

  • Step 1: Choose a product of your liking at the National Credit Direct website.
  • Step 2: Submit your information.
  • Step 3: Decide an initial payment date. Remember that this is a one-time payment applicable to your purchase.
  • Step 4: Set up your first recurring payment date. National Credit Direct simplifies this process by offering weekly, bi-weekly, twice-a-month, and monthly payments.
  • Step 5: You are required to make the initial payment along with establishing 6 to 13 consecutive payments. The bigger your purchase, the more significant payments they want to see.
  • Step 6: Confirm your identity and mailing address.

After following these steps, you can expect to be approved for the rent-to-own purchase and program and start processing your favorite purchase for shipping.

Approval Program

Unlike other rent-to-own financing companies, National Credit Direct does not check or inquire about your credit and measures you on the basis of some credit score. The company only requires you to build some kind of credit history by paying them a minimal, single-time initial payment and 52 weeks of layaway payments.

Still, once you pay for your purchase as agreed for just 6-13 weeks consecutively, National Credit Direct will finance the remaining purchase price balance, order your product, and ship it to your doorstep.

Once the company finances you and you start paying actively, it will grant you a spending limit. This permits you to place additional orders for your favorite products without requiring an additional down payment.

Online and Telephone Support

If you want to contact the National Credit Direct customer service department, you can reach out to them via phone, mail, or email:

Phone
Customer Service: 208-779-3200 (Monday to Friday, 10 am to 7 pm Eastern Time)
Email
For general questions regarding the company products or services, you can contact National Credit Direct at info@ncdfinancial.com
Mail
National Credit Direct, 3911 N. Schreiber Way, Coeur d’ Alene, ID 83815

How to Order Online

You can easily place your order(s) on National Credit Direct by following these simple steps.

Step 1: Visit the Official Site

Visit the National Credit Direct website at https://www.nationalcreditdirect.com/

Step 1: Visit the Official Site

Step 2: Select your Product Category

Here, you can choose from product categories. We will select the Gaming PCs, Consoles, and VR sections.

Step 2: Select your Product Category

Step 3: Select the Product

Next, narrow your search within the Gaming PCs, Consoles, and VR section product category. Here, we will choose "Video Game Accessories" Then, select your desired item.

Step 3: Select the Product

Step 4: View Product and Payment Details

You can view the product details and detailed pricing plan for your favorite merchandise on National Credit Direct in terms of both total cost of ownership and weekly rates, discounted 90-day cash, redeemable reward points, etc.

Step 4: View Product and Payment Details

Step 5: Add Product to Cart

After checking the product and payment details, you can add the product to your cart.

Step 5: Add Product to Cart

Step 6: Add Info and Place Order

Next, enter all the relevant details, review the information, and confirm the order.

Step 6: Add Info and Place Order

Frequently Asked Questions - FAQs.

Q1. What are the benefits of National Credit Direct?
A1. Altogether, National Credit offers excellent financial packages for its customers and collaborates with top-notch brands and companies to provide the trendiest products. The company takes great pride in offering enhanced value but relatively low prices.
In addition, you can also avail of free merchandise with National Credit Direct via the Rewards Program. Here are some other benefits you can enjoy:
  • Quality Products: Brand new and easy-to-use products that are shipped instantly and delivered to your doorstep from renowned retailers.
  • Peace of Mind: Customers can get a 1-year warranty (minimum) from the manufacturer on every electronic that is available for sale at National Credit Direct.
  • Guaranteed Approval: You’re guaranteed to be approved for the National Credit Direct financing program with no credit check.
  • Affordable Payment Plans: The company has no high up-front costs or hidden charges, just small manageable payments.
Q2. What Happens if You Miss a Payment?
A2. Even if you miss paying for a product at National Credit Direct, you can still get approved. Based on why you missed a payment (as the company’s proprietary credit algorithm detects it), you can cover up for it by making 3 additional bi-weekly payments to be approved.
Q3. Can National Credit Direct Pull Your Credit?
A3. According to the Terms and Services of National Credit, it is stated that the company doesn’t have the right to pull your credit. However, this option is available for individuals who don’t prefer waiting and paying the required consecutive payments.
Q4. Who Should Consider Buying from National Credit Direct?
A4. Any individual with former credit problems or who wish to get a more effective deal than rent to own should consider buying from National Credit Direct. The best part about the company is that there are no excessive interest rates or hidden charges.
You can own branded products at affordable payments, and your unsecured credit line will be reported to a major credit bureau every month.
Q5. Is National Credit Direct Trustworthy?
A5. National Credit Direct is a legit and trustworthy company that was established in 2006 to offer an effective solution for individuals facing budget constraints and limited financing options due to having no credit or less-than-perfect credit.

FlexShopper

FlexShopper is another renowned lease-to-own business that allows you to take one or more of hundreds of thousands of name-brand items home without paying the total cost of the item upfront.

Most shoppers have a hard time affording big-ticket items and paying the full price for them in one go due to a lack of cash in hand. This mainly applies to costly appliances, furniture, electronics, etc. Others might be unable to buy these items via conventional credit paths due to poor credit scores. This is where FlexShopper plays a vital role.

If you are a shopper with less than a perfect credit score or limited cash reserves, FlexShopper allows you to purchase new items by making weekly payments towards possession of the final item(s), all without hidden charges.

The payments are relatively small, so the overall payment arrangement at FlexShopper is flexible and affordable for all. While it is generally true that when it comes to rent-to-own purchases, the cost can be comparatively higher than the normal cost of an item.

However, FlexShopper customers can still find this a reasonable trade-off for the convenience factor and overall rent-to-own shopping experience.

If you lack the essential cash or available credit, FlexShopper offers the ultimate solution to its customers in the form of affordable weekly payments for renting to own merchandise in under a year’s time or less.

Product Offerings

If you want a wide range of product options and selections, FlexShopper is the ideal place to turn to. The platform offers over 100,000 products and lets you lease automobile tires and other products from renowned retail stores. Here are some popular product categories you’ll come across at FlexShopper.

  • Appliances & Vacuums
  • Audio
  • Baby & Kids
  • Cameras & Camcorders
  • Cell Phones
  • Computers & Tablets
  • Furniture
  • Garage & Outdoor
  • Health & Fitness
  • Jewelry & Watches
  • Mattresses
  • Musical Instruments
  • Online Tires & Wheels
  • Smart Home & Office
  • Sports & Recreation
  • TV & Home Theater
  • Video Games & Tech
  • Tires

Most of the online products on FlexShopper can be seen from Overstock, Best Buy, and Amazon. If you’re looking for niche or specialty items that hardly any other companies offer, it’s worth checking out FlexShopper’s extensive product selection.

Service Levels: How Does FlexShopper Work?

The previous shopping experience that may have been overwhelming, impossible, or challenging can be made much more enjoyable and straightforward with FlexShopper. Here is how the lease-to-own program works at FlexShopper.

  • Step 1: Download FlexWallet from the Apple or Google Play Store to use it for both online and in-store shopping. On the contrary, you can sign up for your FlexShopper account and apply for a lease to own merchandise directly on the official site.
  • Step 2: Fill out the form thoroughly to apply for the lease-to-own approval program. You must ensure to add all the correct information for application approval. Once approved, FlexShopper grants you an impressive spending limit of $2500.
  • Step 3: Sign in to your account via your PC or mobile phone and choose your desired product. FlexShopper will provide you the weekly payment amount alongside the selected product.
  • Step 4: Flexshopper will configure flexible and affordable weekly payments for all lease-to-own products, which you must agree to pay. The payments will last for a whole year.

You must make the first payment upon receiving the product, while the remaining amount will be automatically deducted from your bank account. Once this period passes, you will gain ownership of your product(s).

Approval Program

FlexShopper’s lease-to-own purchase program's approval program is fairly easy, fast, and free. The company aims to help people without cash or poor credit get the items they need today while significantly benefitting from the flexibility to pay off the amount over time.

You can securely apply for an immediate spending limit of $2500 in just a few simple steps. Anyone can get approved for FlexShopper as long as they fulfill the specified requirements:

  • Minimum 18 years of age (except 19 years in NE and AL and 21 years in MS)
  • A resident of the United States (with Wisconsin, New Jersey, Wyoming, and Minnesota as exceptions)
  • Have a decent income source
  • ITIN OR SSN
  • Checking account in good standing
  • Your address and phone number

The chances of getting approved for the lease-to-own purchase program at FlexShopper are suitable for anyone who fulfills these criteria.

Online and Telephone Support

If you want to contact FlexShopper for queries, tracking order information, or returns, here is how you can reach out to them:

Online Chat

FlexShopper offers excellent weekly online chat support: Monday to Saturday – 9 am to 9 pm EST, and Sunday – 11 am to 6 pm EST.

Tracking

If you wish to find your tracking number against your order, just log in to your account and go to View Orders. If you still cannot find your tracking number, email customer service at tracking@flexshopper.com.

Returns

For return purposes, you can email customer service at returns@flexshopper.com. FlexShopper is operational 6 days a week, Monday to Friday: 8 am – 10 pm, and Saturday, 8 am – 7 pm EST. It is closed on Sundays. If you wish to find your tracking number against your order, just log in to your account and go to View Orders. If you still cannot find your tracking number, email customer service at tracking@flexshopper.com.

How to Order Online

You can easily place your order(s) on FlexShopper by following these simple steps.

Step 1: Visit the Official Site

Visit the FlexShopper website at https://www.flexshopper.com/.

Step 1: Visit the Official Site

Step 2: Select your Product Category

Here, you can choose from product categories. We will select the Video Games and Tech section.

Step 2: Select your Product Category

Step 3: Select the Product and Add it to Cart

Next, narrow your search within the Video Games and Tech section. Here, we will choose “PlayStation 5” Then, select your desired item.

Step 3: Select the Product and Add it to Cart

Step 4: View Product and Payment Details

You can view the product details and detailed pricing plan for your favorite merchandise on FlexShopper in terms of both total payments and weekly rates, cost of the rental, and cash price.

Step 4: View Product and Payment Details

Step 5: Add Relevant Info and Place Order

Next, enter all the relevant details, review the information, and confirm the order.

Step 5: Add Relevant Info and Place Order
Step 5: Add Relevant Info and Place Order

Frequently Asked Questions - FAQs.

Q1. What are the benefits of FlexShopper?
A1. Most shoppers are signing up for the rent-to-own purchase program on FlexShopper due to its many benefits.
  • Lease Brand New Products: FlexShopper offers over 100,000 products from many famous brands.
  • Name Brand Products: FlexShopper delivers products directly from renowned retailers such as Overstock, Amazon, Best Buy, Lenovo, etc. Hence, customers do not need to worry about the originality of the products.
  • No High Credit Score needed: You can still apply for an account despite a poor credit score and/or being strapped for cash.
  • Easy application: Creating an account on FlexShopper is very simple, and the application process only takes a few minutes. You might receive the approval within a few working days.
Q2. How does the transaction work?
A2. FlexShopper leases goods to customers under a rental-purchase contract. You must make 52 weekly payments or utilize the Early Purchase Option to own the leased goods. You can even lease the merchandise for the initial payment term (or longer) and conclude by informing them, returning the goods, and making the necessary payments.
Q3. Do I need to have good credit?
A3. One doesn't have to have good credit to shop on FlexShopper. However, it is also true that not everyone with poor or bad credit will get approved. The utmost objective here is to aid customers with poor/bad credit to get the stuff they want via a lease.
Q4. Can I get more than one product?
A4. You can lease multiple products up to the approved spending limit. Still, you might encounter some quantity restrictions to purchasing the same products.
Q5. How to make a payment on FlexShopper?
A5. FlexShopper automatically deducts the payments from your bank account. Most customers prefer to sign up for the weekly payment plan. Still, monthly and biweekly plans are equally good options.

Wrapping Up

While plenty of other rent-to-own businesses you will come across serve their customers well in their own way, National Credit Direct especially stands out in the rent-to-own market due to its ability to finance users without performing credit checks.

It is the only legit company operating on a no-credit-check basis across the country. While many other companies claim to not check your credit either, you will often experience quite the opposite as it is usually stated in their Terms and Services conditions in fine print that they check your credit.

National Credit Direct's unique credit algorithm allows it to determine when and how much money is needed to finance your purchase. In addition, the company guarantees approval, which is fairly easy and quick.