We offer No-Credit-Check financing program. Approval is based on customers checking account. As long as there are no NSF fees in past 120 days and customer has enough balance to cover required down payment then they are approved! We deposit 100% of loan amount into customers account within 48-72 hours. No recourse to merchant for non payment! Call Shannon at (601)951-1978 for more information! This program works for down payments too!