What are the interest rates and other terms of the finance program?
The annual percentage rate (APR) charged will be 17.99%. The APR will remain
fixed for the duration of the contract. Your high credit will be dependent on your FICO score. 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. Orders that are a minimum of $1,000.00 qualify for
90-days same as cash.
What is the "Same as Cash" option?
The contract for your purchase of a minimum of $1,000.00 may be paid in full at any time within the
Promotional Period indicated on the contract from the date of disbursement ("Promotional Period"),
and upon payment in full of the promotional balance within the specified period, any accrued finance
charges will not be charged to your account.
Regular monthly payments in the amount shown on your contract will be due on the monthly date during
the Promotional Period in accordance with the payment schedule shown on your contract. However,
larger payments may be made at any time to pay the promotional balance in full before the end of the
Promotional Period.
If you do not pay the promotional balance in full within the Promotional Period or if you fail to
make all regularly scheduled payments during the Promotional Period in full and on time, then the
accrued finance charges will be charged to your account.
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 high credit amount that you have been approved for is good for 60 days on your current
application only. Any subsequent requests must be submitted through the same application process and
will be re-evaluated. This product is not a revolving line of credit. A new credit file will not be
pulled if within 60 days of previous application. The maximum number of open loans is restricted to
two (2) and total of loans will not exceed the approved high credit. The minimum credit amount to be
financed is $500. Be sure to read all of the contract disclosure information and if you have any
questions, please feel free to contact U.S.Credit, Inc. at (844) 223-2632 or email to [email protected]
Are there additional fees, costs or taxes?
There are no fees associated with the application process. 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 change, cancel or return my order?
Once you have submitted your shopping cart your order is final. If you cancel the order prior to
signing the contract the application is withdrawn and the dealer will be notified of the change in
status. If the contract has been signed and the funds have been sent to the dealer it is between you
and the dealer to rectify the situation. Once the dealer receives the returned order the dealer will
send the funds back to you minus any restocking or other associated fees. You then have the option
of paying off your contract. Customer is responsible for any accrued interest from the date of the
signed contract. Please note the terms of you contract remain intact.
How do I make payments?
Your payments will begin 30 days from the date you sign the contract. You will have a choice of
paying by automatic withdrawal from your bank account, debit/credit card or by check. You will have
access to an online customer portal where you can make payments.
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