How It Works is the best online store, that will not only give you access to name-brand products, but with a easy approval financing program!  Build your credit, and shop today!

When you join the benefits are real!

 Easy Approval Even If You Have Bad Credit!
 Build Good Credit And Look Good Doing It!
 Get Immediate Approval For Up to $20,000.00 of Unsecured Revolving Credit!
New Name Brand products Added Daily!

JOIN the club today and start taking advantage of being a member of!

How to qualify for a membership?

To qualify for an account with you must meet the minimum below criteria:

 US Citizen.
 Be 18 years or older.
 Have a valid social security number.
 Have a monthly household income of $1400.00.
 Complete our quick and secure online application.
 Prior Credit History, Good or Bad.

How does the account work?

Start your account in 3 easy steps.

Place a minimum of $100.00 of our top quality products into your shopping cart and complete the secure online application.

Complete payment for membership fee and any applicable down payments or sales tax.

Agree to the terms of your credit agreement.

(Q) Do you report my account to the credit bureaus?
(A) Yes, we report your available line of credit and balance to the credit bureaus monthly.

IMPORTANT In order for your account to begin reporting, the annual membership fee and any applicable down payments must be paid and your contract must be signed.

IMPORTANT:  You must make your first purchase in order to activate your credit line!

How will I receive my statements?

Your must log into your account using your username and password to be able to view or download your statement. Statements are updated monthly so please check your account. Your payments will be processed with the card on file on the due date provided in your statement. It is important that you always pay on time. You may pay your bill at any time online by logging into your account at

(Q) When is my first payment due?
(A) Your statement will reflect the actual due date or you can check your balance and pay your bill online. Payments will be processed with the card on file on the due date.

(Q) How much is the minimum monthly payment?
(A) The minimum monthly payment is $30 or 5% of your current account balance, whichever is greater until you have a zero balance.