How it works

How It Works

Five simple steps

  •  Tell us a little about yourself

    Answer a few questions using our easy 3-step application process. There are no up-front costs to apply and no obligations to use your financing if approved.

  •  Verify your information

    After submitting your application, use our secure online portal to submit documents to verify your identity, income and banking information.

  •  Get approved

    We’ll get back to you in 1 business day to let you know if you’ve been approved and exactly how much you are approved for.

  •  Start shopping

    Once you’ve been approved you will receive credit on the vendor’s website that you can apply at checkout.

  •  Simple, easy payments

    LendFirm® links up to your checking account and automatically debits your checking account on the same day you get paid. Just set it, forget it and pay it back on a schedule that works for you.

What You Need to Apply

  • A valid driver’s license or state ID
  • Most recent 30-day bank statement
  • Online bank account verification

Approval Requirements

 Valid ID +

Valid ID

Do you have a valid driver’s license or state ID?

You must provide one of these forms of identification so that we can make sure we are working with the right person.

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 Steady income +

Steady income

Do you have a steady stream of income?

You should be able to prove that you earn over $1,300 a month with at least three months of income history at your current employer(s) or source of income.

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 Direct Deposit +

Direct Deposit

Have you set up direct deposit with your bank?

You must have your main source of income direct deposited into a checking account. LendFirm® convenient payment plans automatically debit your checking account on the same day they get paid. Having direct deposit ensures that we never withdraw money from your account when you don’t have it.

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 Checking Account +

Checking Account

Do you have a checking account that’s been open for at least 3 months and is currently in good standing?

A checking account in good standing should be free of excessive overdrafts, NSF fees or negative balances within the last 90 days of the application date. Your checking account must be a traditional checking account and cannot be an online bank account or prepaid debit card.

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We are here to help you

We are here to help you so don’t hesitate to reach out to us with any questions.

Contact us