Q: Is a credit check required?
A: No, there is never a credit check, no credit is required.
Q: What kind of payment options are available?
A: Customers can pay monthly, semimonthly, biweekly or weekly.
Q: What are the terms and conditions of the agreement?
A: The terms and conditions of the agreement will vary depending on the retail price of the merchandise. Early payout options are available including 120 days same as cash and 6 months same as cash, depending on the value of the item. Customers also have the option to payout at anytime during the agreement, and receive an early payout discount.
Q: What kind of products does Express Home Furnishings offer?
A: Express Home Furnishings offers a variety of products including televisions, appliances, living room furniture, bedroom furniture, dining tables, computers, and home accessories.
Q: What if I have to make a late payment?
A: Late payments are generally not allowed, but under certain circumstances the customer can make arrangements with the account manager for making a late payment.
Q: What if I can no longer make my payments?
A: If a customer is unable to make their payment they may return the item within 15 days of their due date, and then when they are able to make payments again they can continue that agreement and get full credit for payments previously made.