We Only Say YOU’RE APPROVED!^*

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 finance the balance of your purchase price, order your merchandise and have it shipped directly to your home. It's that simple.

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.

Once You’re Financed

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.