FINANCING OPTIONS – Home and Garden TX

FINANCING OPTIONS

HOME AND GARDEN  has partnered with several companies to offer our customers a lot great financing options. 


BAD CREDIT - NO CREDIT NEEDED


Option 1


American First Finance APPLY NOW

 A Better YES!

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CREDIT NOT REQUIRED*

*Approvals are subject to verification and are possible without a FICO® Score, but your credit history may be checked.

pay-as-you-go

PAY AS YOU GO

Get approved for up to $5,000 with affordable and flexible payment options.

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TOTAL TRANSPARENCY

Whichever payment solution you choose, you will see your contract rates, terms and conditions before signing.


 

Option 2


West Creek 

- High approval rates

Don’t let credit issues stop you from buying what you want. With West Creek’s high-tech, innovative decisioning and 82% approval rate, there’s a good chance you’ll be instantly approved for financing, even if your credit score is low.

Once you complete the West Creek Online Application, you will get an answer instantly.

 

 


Option 3 

Eligibility requirements

We don't ask a lot. Our application is simple and easy to complete.

Income History

Do you have a three-month history with your current employer or source of income?

Monthly Income

Do you deposit $1,000 or more into your checking account each month?

Checking Account

Have you had a checking account for at least 90 days?

Checking Activity

Is your checking account free from NSFs, excessive overdrafts, and negative balances?

https://customer.acimacredit.com/register


Option 4


Progressive Leasing 

We are here to help you take home what you need or want today. With our NO CREDIT NEEDED lease purchase option, you simply apply online or in a store and receive an instant decision. Our service provides a 90 day payment option (the least expensive option)  and other early buyout options that customers love.

$49 initial payment (Credit or Debit Card).

Once you complete the Progressive Leasing Online Application, you will get an answer instantly.

 

GOOD CREDIT – GREAT CREDIT




Affirm (Available at checkout)

Pay over 3, 6, or 12 months. You know exactly what you’ll owe. In fact, Affirm doesn’t even charge late fees. Checking your eligibility won’t affect your credit score, and you’ll get a decision right away. Subject to credit check. A down payment may be required.

For a $500 purchase, here's what you might pay:

3 months - $173/mo - Interest (20% APR) $18 - Total $518

6 months - $89/mo - Interest (20% APR) $30- Total $530

12 months - $47/mo - Interest (20% APR) $57- Total $557

Your rate will be between 0–30% APR. This is just an example.

Sample calculation can be found at the product page.

Select “Affirm Monthly Payments” option at checkout.

Affirm asks you for a few pieces of information. After you provide this information, Affirm notifies you of the loan amount that you're approved for, the interest rate, and the number of months that you have to pay off your loan -- all within seconds.


You don't need a credit card to make a purchase. Affirm lends to the merchant directly on your behalf.


You may be eligible for Affirm financing even if you don't have an extensive credit history. Affirm bases its loan decision not only on your credit score, but also on several other data points about you.


Affirm reminds you by email and SMS before your upcoming payment is due. Enable Autopay to schedule automatic monthly payments on your loan.
What is required to have an Affirm account?

To sign up for Affirm, you must:

Be 18 years or older (19 years or older in Alabama or if you're a ward of the state in Nebraska).
Not be a resident of Iowa (IA) or West Virginia (WV).
Provide a valid U.S. or APO/FPO/DPO home address.
Provide a valid U.S. mobile or VoIP number and agree to receive SMS text messages. The phone account must be registered in your name.
Provide your full name, email address, date of birth, and the last 4 digits of your social security number to help us verify your identity.
How does Affirm work?

Affirm loan-application process steps:

1. At checkout, choose Pay with Affirm.
2. Affirm prompts you to enter a few pieces of information: Name, email, mobile phone number, date of birth, and the last four digits of your social security number. This information must be consistent and your own.
3. To ensure that you're the person making the purchase, Affirm sends a text message to your cell phone with a unique authorization code.
4. Enter the authorization code into the application form. Within a few seconds, Affirm notifies you of the loan amount you're approved for, the interest rate, and the number of months you have to pay off your loan. You have the option to pay off your loan over three, six, or twelve months. Affirm states the amount of your fixed, monthly payments and the total amount of interest you'll pay over the course of the loan.
5. To accept Affirm's financing offer, click Confirm Loan and you're done.

After your purchase, you'll receive monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment. Your first monthly payment is due 30 days from the date that we (the merchant) processes your order.

How does Affirm approve borrowers for loans?

Affirm asks for a few pieces of personal information: Name, email address, mobile phone number, date of birth, and the last four digits of your social security number.
Affirm verifies your identity with this information and makes an instant loan decision.
Affirm bases its loan decision not only on your credit score, but also on several other data points. This means that you may be able to obtain financing from Affirm even if don't have an extensive credit history.
Does Affirm perform a credit check? Does it impact my credit score?

Although Affirm performs a credit check when you apply for a loan, this won't impact your credit score. However, if you're approved and decide to buy with Affirm, your loan and payments may affect your credit score. Paying on time can help you build a positive credit history.

Why was I denied financing by Affirm?

The merchant has no information regarding a customer's financing denial. Affirm strives to offer all credit-worthy applicants financing with Affirm, but isn't able to offer credit in every case. Affirm will send you an email with more details about its decision. Unfortunately Affirm's decision is final.

Why was I asked to verify my identity?

If Affirm has difficulty confirming your identity, you may need to provide more information. Affirm uses modern technology to confirm your identity, including verifying your address or full SSN, or requesting a photo of your ID. Affirm takes these steps in some cases to counter fraud and provide the most accurate credit decision they can.

Why was I prompted to enter my income?

Affirm may sometimes need more information about your finances and your ability to repay in order to make a credit decision. Your income gives Affirm additional insight into your ability to repay.

  • . Affirm asks you for a few pieces of information. After you provide this information, Affirm notifies you of the loan amount that you're approved for, the interest rate, and the number of months that you have to pay off your loan -- all within seconds.
  • You don't need a credit card to make a purchase. Affirm lends to the merchant directly on your behalf.
  • You may be eligible for Affirm financing even if you don't have an extensive credit history. Affirm bases its loan decision not only on your credit score, but also on several other data points about you.
  • Affirm reminds you by email and SMS before your upcoming payment is due. Enable Autopay to schedule automatic monthly payments on your loan.

 

     

     

     

     

    Why was I prompted for my checking account?

    Affirm may sometimes need more information about your finances and your ability to repay in order to make a credit decision. If you are prompted to link your checking account and would like to proceed, please provide the login information for your online bank account. Affirm does not store your online login credentials---they are transmitted securely to your bank.

    If Affirm asks you to link your checking account, Affirm won't be able to offer you credit if:

    • Your bank is not listed
    • You choose not to link your checking account
      You don't use online banking The username and / or password you provide is incorrect
      *You're unable to successfully connect your checking account

    Why is my bank not listed?

    Although Affirm is continually adding support for additional banks, they aren't able to connect to every bank at the present time. We apologize for the inconvenience. If you're unable to connect your bank, you'll need to complete your purchase with another payment method.

    Why was I prompted for a down payment?

    Affirm isn't always able to offer credit for the full amount you request. In these cases, Affirm asks you to make a down payment with a debit card for the remainder of your purchase. The down payment amount can't be changed and must be made upon confirming your loan and before the loan offer expires.

    Will I see how much interest I am paying prior to accepting my loan?

    Yes! Affirm works hard to be completely transparent. You'll see the amount of interest you'll owe on the terms page and again on the loan confirmation page. If you pay off your loan early, you'll receive a rebate for any interest that hasn't yet accrued.


     


    Synchrony Financial  (In-store Application)

    • Up to 12 months interest-free financing
    • Subject to credit check
    • Requires great/good credit score
    • Stop by our store for more details and application.

     

    LAYAWAY PROGRAM

    Join our Layaway Program! We offer a 90-day layaway program with a 30% deposit. The amount owing after the deposit will be divided into 3 payments which must be made every month. Visit our store for more details about our Layaway Program.

     

    Klarna

     Shop now, pay later with Klarna!

    We’ve partnered with Klarna to provide you with easy payment options at checkout, so you can buy what you want, when you want. It’s smooth and simple Select Klarna at checkout to buy now and pay later. Spread the cost of your purchase over time with convenient, stress-free payment options. It is easy, safe to use, and you’re always covered by Klarna’s Buyer Protection.

    You shop, you choose how to pay.

    4 interest-free installments

    Split your purchase into 4 equal payments so you can spread the cost of your purchase over time. Enter the credit or debit card of your choice for automatic payments every two weeks. No interest or added fees when you pay on time!

    Monthly Financing

    Apply for easy monthly financing directly in the checkout. A simple, 2-step application will provide an instant approval decision. Once you’ve been approved, you’ll receive reminders and can manage your payments directly in the Klarna App.

    Making payments

    Review your latest purchases and pay any open balances by logging into your Klarna account at https://app.klarna.com/login. You can also chat with Klarna customer service 24/7 in the Klarna App.

    Safe and secure

    Klarna uses the latest safeguards and security to protect your information and prevent unauthorized purchases. You have zero fraud liability with Klarna’s Buyer Protection policy.