No Credit Needed - Financing Simple. Fast. Transparent. Our online application takes less than three minutes to complete so you can get what you need without the hassle. If you thought the application was quick, just wait to see how quickly you're approved. Just apply with your favorite store, and we’ll get you a decision within seconds so you can make the purchase you need. We understand that transparency is of the utmost importance to our customers, so we send full agreement details by text to be sure you know exactly what to expect.