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FINANCING
REQUIREMENTS AND TERMS
Financing
Requirements
Although PCDirectBiz.com does
not approve solely on the basis of credit scores alone,
we generally accept credit score as low as 485. Prior
bankruptcy is allowed (bankruptcy must be discharged).
All applicants must have a valid checking or savings
account.
Each
applicant must have a checking or savings account,
a $1,200 monthly gross income
(before any deductions),
not currently be in bankruptcy (discharged OK) and
must be at least 18 years of age.
Terms
All
systems are $99.00* down and $65 to $128 monthly
with 24-36 month financing. Monthly installments
are approximately $100 less than a local rent-to-own
center outlet's payments. All payments are reported
to the 3 major credit-reporting agencies, Experian,
Equifax and Trans Union.
Monthly
installments are based on the creditworthiness of
each customer as determined by the lender. If at
anytime your credit scores drop during the final loan
underwriting, PCDirectBiz.com Inc. reserves the right
to request additional monies down prior to shipping
the equipment.
TIMELINE
FOR THE FINANCING OF YOUR NEW COMPUTER
- Your
completed application is submitted.
- A credit decision is made within 12 hours and
emailed to the address we have on file.
- You will be sent a link to complete step #2 of
the credit application and select from the computer
systems that you were approved for.
- Lease agreement will be sent regular mail. Please
allow 7-10 days to receive.
- You complete and mail back the lease agreement.
- After we receive the lease we will immediately
begin processing your lease agreement and paper work.
This process normally takes a total of 2-4 weeks
for processing and shipping of your computer.
- Your computer is shipped.
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