WE Finance!!! NO CREDIT CHECK
We offer financing for almost anyone! No credit, bad credit...don't sweat it! Below are some of our financing options available to help our customers get the home furnishings or any other merchandise that they really want!
Get financing for your purchase at St Louis Consignment Gallery. We strive to maintain multiple options for our customers. This NO CREDIT CHECK financing is provided by Progressive Finance and it only takes a few minutes to APPLY and get the buying power you deserve.
It's very simple to qualify:
- Must be employed by the same company for at least SIX months.
- Earn $1,000 a month and deposit at least $500 a month into your checking account.
- Must have a checking account that has been open for at least THREE months.
- No NSFs and no more than 5 protected overdrafts in the last 30 days.
This is the perfect financing option for someone who has a less than perfect credit history. Once you meet the minimum qualifications, you may apply. APPLY NOW
Progressive Finance Approval Process:
A) Verify INCOME REQUIREMENTS of $1,000 a month for at least 6 months, with a:
Paystub showing 6 months of employment; or
S.S. or Disability Benefit Letter; or
Letter from employer with hourly wage and YTD on company letterhead.
If self employed - Provide a 1099 and 30 day bank statement or a business license and 3 months of bank statements
B) Verify CHECKING ACCOUNT REQUIREMENTS with a 30 day bank statement that shows:
No NSFs & no more than 5 protected overdrafts;
Account open for 3 months;
$500 in deposits;
Does not end with a negative balance.
C) VOIDED CHECK (Or a Bank Account Verification Form)
D) PHOTO I.D.
Frequently Asked Questions
Q: What is the interest for this program?
A: This program has no interest because it is a lease-purchase contract. If you pay your balance off within 90 days, all you pay is the invoice price and the predetermined Processing fee. If you take more than the first 90 days to pay off the purchase, then you will pay 1.8 times the invoice total over 12 equal payments.
Q: Will Progressive check my credit report?
A: NO, we will verify information from your most recent 30-day bank statement and pay stub.
Q: How long do you have to be employed to qualify?
A: At least six months with the same employer. The pay stub must show this and you may need a December pay stub from the previous year or a W2 to show six full months of employment.
Q: How long will my account be active?
A: An approved account and contract are good for 31 days. If an invoice takes more than 31 days to deliver, then contact the store for an extension. If the extension cannot be given or the delivery takes longer, you will need to reapply.
Q: What happens if the order is not in stock (special order)?
A: This program is still available; wait until the merchandise is in stock and you are ready to schedule delivery/pickup before applying. If you are not approved, the special order deposit will not be refunded.
Q: Where do I mail my payment? Can I pay online or by phone?
A: Monthly payments will be debited out of you checking account by ACH every month on the same date the contract is signed, not the delivery date. Call Progressive to process a telephone payment at 877-898-1970.
Q: What happens if there are damages or service on my delivery?
A: Contact St Louis Consignment Gallery Customer Service Department at 314-892-4STL (785); even-exchanges will not require paperwork to be sent to the finance company. On reselections, you will be responsible for any overages and all refunds will be issued to Progressive.
Q: Can I use this financing option to cover my delivery expenses?
A: Yes. Simply let us know you would like to have your furniture or other merchandise delivered so we can add it to your lease.
Q: Will Progressive report anything to the credit bureau on my behalf.
A: No. This program is a lease for quality merchandise. Nothing will be reported.
Q. How much can I get financed for?
A. You can qualify for any amount between $300 - $2500.
Q. What types of products can be financed?
A. Anything in our store may be financed.
Take a look at what we sell at our furniture resale shop everyday.
Q. Can I apply for financing in store at St Louis Consignment Gallery?
A. Yes. Just stop by 3217 Lemay Ferry Rd during our normal business hours and we would be glad to walk you through the process.
We also accept credit cards!
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