No Credit Needed Payment Options

Frequently Asked Questions and Apply Below
  • 18 years or older.
  • Social Security # or ITIN.
  • Have Routing or Account Numbers for Checking Account. (Online Banks like Chime and certain Credit Unions do not work with these Finance Companies)
  • Have a credit or debit card.

We have No Credit Needed Payment Options through Pay Tomorrow, Snap Finance, Acima Finance and American First Finance.

You can also checkout with Affirm, Our Credit Based Payment Option.

  • The no credit needed payment option will let you know instantly if you’re approved or denied once you have completed the application
  • If you are Denied,  call/text 951.336.1293 or use our Chat
  • Valid Government ID (expired ID and copy of ID will not be accepted)
  • Bank Checking Account information (routing and account number)
  • Social Security Number
  • Debit/Credit Card to put on file (must be in applicants name)
  • Minimum payments will be automatically deducted from your bank account (Autopay)
  • You can choose weekly, bi-weekly, or month. You may change the frequency of payments you make but the first payment date can not be changed.
  • You will have 90-100 Days to pay off amount without any penalties nor interest fees
  • If you choose to pay off after the early purchase option (90-100days) you will be paying more than DOUBLE the original amount
  • 90 Day Payment Option outside California or 3 months within California
  • You can call in to complete your order with a sales rep or finish checking out online
    • Online orders are subject our Identity Verification Policy
  • For store pick up, bring valid ID (not expired or a copy)
  • I was Denied! Please call/text 951.336.1293 or use the Chat
  • For online orders, follow the checkout process for approval and to place an order.
  • For phone orders, we have to process it for you by sending you the no credit needed payment option agreement.
  • Most orders are processed by phone, so please give us a call right after you get your approval. 951.336.1293
  • If you want to pick up in store, we will process it in store just bring a valid ID.
    • A second form of identification may be requested, such as, car registration, billing statement, etc.
    • Asking for additional information or documents to verify identity before we release merchandise is part of Identity Verification Policy
  • Before we ship products, all customers, who go through our No Credit Needed Payment options, must provide the following:
    • Send a photo of your ID and a second photo of you holding your ID (Selfie) to
    • A second form of identification such as car registration, Credit card bill, utility bill, etc. may be required per our Identity Verification Policy.
  • We ship via Fedex Ground and/or UPS. Shipping times are 3-10 business days.





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