Retail Credit Program – How It Works

RETAIL FINANCING PROGRAM – Application Instructions
Step 1. Complete the credit application. You will be asked to provide your basic demographic information including your monthly household income. Remember to add the income of everyone in your household including your spouse’s if applicable, even if you are applying just for yourself. You will be prompted to
set-up an account to access the customer portal. Your email address will be your User ID; you choose your password.

Step 2. Read and acknowledge the Application Agreement (Consent to Review Credit), Privacy Policy, ACH Acknowledgement Notice and Consent to Receive Information Electronically by checking the appropriate box and then submitting your application. Within 60 seconds you will receive your initial credit decision; either an approval or a denial. If you are approved move on to Step 3 of the process. If you have been denied, you will receive a letter in the mail with the specific reason(s) for the denial.

Step 3. Upload an image of your current state issued photo identification and recent paystub within the past 30 days to the customer portal. U.S. Credit will not accept information via fax or email.

Step 4. Contact the participating dealer or manufacturer that you are purchasing from to place your order. Please call us and we will be happy to provide you with the contact information. Remember the minimum financing amount is $500.00.

Step 5. When your product invoice is complete you will receive an email from with a link to your documents. You will be prompted to electronically sign your documents. Once the e-signature process has been completed U.S. Credit, Inc. will disburse payment directly to the dealer. You will be notified by the dealer when your order is complete and your purchase is ready to be picked up or shipped.



What are the interest rates and other terms of the finance program?
The annual percentage rate (APR) and/or high credit will be dependent on your FICO score. The APR charged will be 15.99%. The contract rate will remain fixed for the duration of the contract. The financing terms range from 18 to 48 months based directly on the total amount financed. The first contractual payment installment will be due 30 days from the date of signed documents and each
month thereafter. Subsequent monthly installments will made through the borrower’s method of payment each month. The minimum financed amount is $500.00. Not all buyers may qualify.

What is 90 Days Same as Cash –Payments Due with Interest Deferred
The account will be set up as an interest bearing installment contract with terms between 18 and 48 months. Interest will not be charged if the invoice balance is paid within the first 90 days from the activated contract date. Upon final payoff within the promotional period, the borrower will be quoted an amount equal to the financed balance less any installment payments made within the first 90 days
and the borrower will make one final payment. If the borrower chooses not to payoff the loan within first 90 days, payments will continue and the contract will remain in effect set by the terms originally agreed upon. Any delinquent payments will automatically void the 90 day promotional period.

Are there any pre-payment penalties for paying off the loan early?
You may pay off your contract in full at any time without penalty.

How long do I have to spend my full approved amount?
The credit amount that you were approved for is good for 60 days from the date you receive your pre-approval. Minimum credit amount must be at least $500.00. The maximum numbers of open financed contracts are restricted to two (2) up to your approved high credit. Be sure to read ALL of the contract disclosure information and if you have any questions feel free to contact U.S. Credit, Inc at (844) 223-2632 or

Are there additional cost, fees or taxes?
There is a one time, non-refundable application fee of 1.00% of the financed amount. Any shipping and handling costs charged by the dealer may be added to your final invoice. These fees will be included in the financed amount. Taxes will vary from state to state. There is no money down required.

What happens if I return the purchased product(s)?
Return policies are determined by the individual dealer. If you are returning your purchase in accordance with the dealer’s stated policy within 30 days of purchase your loan will be cancelled if a dealer return receipt and refund is provided to U.S. Credit, Inc.

Disclaimer: Program administered by U.S. Credit, Inc. Financing provided by third party lenders. U.S. Credit, Inc. is not a broker or lender. All lending subject to terms and conditions arranged between customer and such lender and are all subject to credit requirements and satisfactory completion of finance documents. Not all applicants may qualify.