We Ask for a Small Payment History First,
But YOUR APPROVAL is GUARANTEED^*

Never go through the pain of being turned down again. Unlike other financial companies, we don't check your credit and measure you based on some score. Instead, all we ask is that you build a little credit history with us by paying a small, one-time initial payment and fifty-two weeks of layaway payments. However, once you’ve paid as agreed for just 6-13 consecutive weeks, we’ll offer to finance the balance of your purchase, order your merchandise and have it shipped directly to your home. It's that simple.

Try Making a Smaller Purchase with Our
$500 Instant Approval Option

We offer instant approval plans. Start small and see why hundreds of thousands of shoppers have turned to us. Click on the “Click to See Instant Approval Products” button above and get approved for a $500 instant credit limit with a small $99 down payment and identity validation*. Once financed, you can make additional purchases and request credit limit increases (up to $5,000) and we report your payment history.

How Our Financing Program Works

New accounts require a small initial payment of $99 and 6 - 13 weeks of consecutive pre-shipment payments under layaway terms. To prevent fraud additional purchases with new accounts are confirmed through Customer Care and in writing. Your Approval and merchandise delivery are subject to your Account Terms & Conditions.

After Approval Never Make a Down Payment Again

After you’re financed and are actively paying, you are issued a spending limit where you can place additional orders without an additional down payment requirement. You order we ship. You are now part of the National Credit Direct family.