How Our Financing Program Works | Easy $99 Down, No Credit Check | National Credit Direct
National Credit Direct National Credit Direct - No Credit Check

We Ask for a Small Payment History First,

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

SEE HOW our No Credit Check $99 Down Approval Program can WORK FOR YOU!

We offer instant approval plans. Start small and see why hundreds of thousands of shoppers have turned to us. 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

No Turn Downs, Bad Credit-OK, Bankruptcy-OK, Divorce-OK, Unpaid Bills-OK, Guaranteed Approval...Shop, Apply, Get Financed, We Ship to You, Finance More Purchases...Select your Product, Enter your information, You’re APPROVED with ID validation and an established consecutive payment history, Your merchandise is ordered and shipped, Use your credit line for additional purchases and accumulate Reward Points for FREE Merchandise or Cash Back

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.

*According to layaway terms and conditions. Financing is not available to Indiana residents.

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National Credit Direct
3911 N. Schreiber Way
Coeur d’ Alene, ID 83815

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