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Call us to discuss what is the most appropriate financing for you and your situation.
Consumer Benefits of Financing
1. No down payments
2. Simple credit approval process
3. Immediate credit approval
4. Will not exhaust the credit limits of other credit cards
5. No prepayment penalties
6. No annual fee
7. No minimum purchase
8. Can receive special offers
Payment Estimator Chart (below)* (courtesy CitiFinancial Retail Services)
The minimum monthly payment to be paid on purchases is the greater of $20 or 2% (for Regular Plans) or 1.8% (for Energy Star Plans) of the total amount of purchases that you financed, rounded to the next higher dollar.
*Credit definitions follow the chart
| 100 | ||
|---|---|---|
Amount Financed |
Estimated Minimum Payment (Regular) |
Estimated Minimum Payment (Energy Star) |
up to $1000 |
$20 |
$20 |
1100 |
22 |
20 |
1200 |
24 |
22 |
1300 |
26 |
24 |
1400 |
28 |
26 |
1500 |
30 |
27 |
1600 |
32 |
29 |
1700 |
34 |
31 |
1800 |
36 |
33 |
1900 |
38 |
35 |
2000 |
40 |
36 |
2100 |
42 |
38 |
2200 |
44 |
40 |
2300 |
46 |
42 |
2400 |
48 |
44 |
2500 |
50 |
45 |
2600 |
52 |
47 |
2700 |
54 |
49 |
2800 |
56 |
51 |
2900 |
58 |
53 |
3000 |
60 |
54 |
3100 |
62 |
56 |
3200 |
64 |
58 |
3300 |
66 |
60 |
3400 |
68 |
62 |
3500 |
70 |
63 |
3600 |
72 |
65 |
3700 |
74 |
67 |
3800 |
76 |
69 |
3900 |
78 |
71 |
4000 |
80 |
72 |
5000 |
100 |
90 |
6000 |
120 |
108 |
7000 |
140 |
126 |
8000 |
160 |
144 |
9000 |
180 | 162 |
10000 |
200 |
180 |
Credit Definitions
Regular: Finance charges will accrue on the purchase from the date of purchase, and minimum monthly payments will be due each billing cycle.
No Pay / Same as Cash (SAC): First payment is not due until after the specified No Pay Period. If hte customer pays the entire amount by the SAC Expiration Date, they are not charged interest for hte SAC period. Payment in full must be received PRIOR to the SAC Expiration Date for finance charges to be waived. If we do not receive payment in full by the SAC Expiration Date, he interest accrued during the SAC Period will be allocated to payments after the SAC Period ends, and thereafter interest will be assessed as disclosed in the credit contract.
No Pay / No Interest: The first payment is not due until after the specified No Payment Period during which no interest is assessed; and thereafter payments are due and interest is assessed as disclosed in the credit contract.
Interest Free: The Amount Financed is divided by the term of the Interest Free period to arrive at equal monthly payments. Interest is never charged if the account is paid in full as agreed.
Reduced Rate: A reduced rate Finance Charge will be applied to the balance attributable to the purchase until the expiration of the reduced rate period or payment in full of the reduced rate balance, whichever occurs first.
