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Call or visit a Sleep Train location for complete details. This credit plan does not check FICO credit scores and only applies to in store sales. No Credit Needed Plan: Steps to Apply What are the requirements needed for the No Credit Needed plan? You must be 18 years or older Valid Social Security Number or ITIN Employment or source of income Routing and account numbers for an open and active checking account Credit or debit card What if I do not have a checking account? You cannot qualify without a checking account. For approval you must have an open and active checking account. Choose Your Buy Now Pay Later Plan Get the luxury you deserve at low, budget-friendly payments you can afford. We want to say YES! No Cost to Apply - Same day Approval Why Buy From Us? • 3-Minute Easy Application • No Setup or Membership Fees • Free Delivery-White Glove Setup • Same Day Approval • In-house Customer Service
• Up to 36 Months to Pay • Budget Friendly-Low Payments • Payroll Deduction or Allotment • Approval Based on Work History • Brand Name Quality Products • No Credit Card Necessary • Free Extended Furniture Warranty • True Financial Wellness Program • Improve Your Credit Rating • We Don't Sell Your Personal Info Buy Now Pay Later Furniture Financing plus Computers, TVs, Electronics, Appliances and More...Select from Furniture, Appliances, Computers, TVs, Jewelry, Electronics, and more. Qualify for easy financing, and budgeted low payments you can afford, based upon your work history, not your credit score. Buy brand name quality products, and experience premium customer service. No credit card necessary, and no setup fees. Free delivery on all purchases. Boost your purchasing power at LutherSales� - your online Buy Now Pay Later store.LutherSales� promotes responsible purchasing through salary allotment or payroll deduction.
Your payments are a fixed amount with a defined finish line. No more writing checks or forgetting to mail the payment, we're here to make buy now pay later furniture financing easy. How Do I Qualify? You Qualify with your Job! Applying is a simple One-Step Process. Just submit an Application, and we will reply within the same day. It is our goal to find ways for you to purchase and pay for products you need and want. We have several payment plans. You can also see the terms and conditions of sale in the application. Bad Credit Financing Available. IF you fall below the minimum qualifications, and need bad credit financing? We most likely have a bad credit financing plan for you, or we may still approve your credit purchase with a down payment. We want to say YES... Call to speak with a special Buy Now Pay Later service representative for more details. Note: Some people call this "Payroll Shopping".As a LutherCharge Membership Card holder you get the added protection of our extended furniture warranty.