Customer Help

Flexible Payment Plans

Get the products you want now: Pay over time, get an instant decision, with no credit check!

How Financing Works:

Step 1: Get Pre-Approved:
Click “Get Pre-Approved Now” to fill out a quick pre-approval form.

You’ll get an instant decision from Denefits, no credit check, no waiting.

Step 2: Complete Your Down Payment
If approved, return to our site and submit your 20% down payment.

Add the Down Payment product to your cart and choose the amount that matches your financed order total.

For example: If your financed order total is $1,000, your down payment will be $200.

Step 3: Confirm Your Financed Order Details
After checkout, you’ll be redirected to the Financing Order Form. Here you’ll confirm:

Full Name & Address

Email & Phone

Product(s) you’re financing

Quantities

Total Order Value

Shipping or Pickup

Check: “I confirm I paid the 20% down payment.”

NOTE: Your financing request cannot be processed without this form.

Step 4: Sign Your Financing Contract & Pay Denefits Fee
Once we have your down payment and order form, we’ll create your financing contract in Denefits. Denefits will send you the contract to review and sign, and will collect their $39.95 setup fee directly from you.

After the contract is signed and the Denefits fee is paid, your order will be processed and prepared for shipping or local pickup.

See What Your Payments Could Be

Order Total: $500

Order Total: $1,000

Order Total: $2,500

Order Total: $5,000

Down-Payment: $100

6 Months: $71

12 Months: $39

18 Months: $28

Down-Payment: $200

6 Months: $142

12 Months: $78

18 Months: $56

Down-Payment: $500

6 Months: $355

12 Months: $195

18 Months: $140

Down-Payment: $1,000

6 Months: $710

12 Months: $390

18 Months: $280

Order Total

$500

$1,000

$2,500

$5,000

Down-Payment 20%

$100

$200

$500

$1,000

6 Month Plan

$71/mo

$142/mo

$355/mo

$710/mo

12 Month Plan

$39/mo

$78/mo

$195/mo

$390/mo

18 Month Plan

$28/mo

$56/mo

$140/mo

$280/mo

Frequently Asked Questions

Do I need good credit?
Denefits does not check your credit at any stage.

Everyone is eligible for pre-approval, regardless of credit score or history.

How fast is Pre-Approval?
Once completing the pre-approval form.

Denefits will give you a decision within seconds.

Why is the Down payment collected on your website?
We collect the 20% down payment on our website, so that we can reserve, process, and ship your order.

Once your financing contract is finalized, Denefits manages your monthly installment payments.

Why do I pay the Denefits fee separately?
The $39.95 setup fee is collected by Denefits directly when you sign your contract.

This one-time fee is required to activate your monthly payment plan and is NOT paid through our website.

When does my order ship?
Your order is prepared for shippment or ready for pickup, after:

1. Your 20% Down Payment is Received.

2. The Financing Order Form on our Website is Received.

3. Your Denefits fee is paid and the Financing Contract is Signed.

Are payments fixed?
Yes. Your monthly payments remain the same for the entire duration of your financing plan.

There are no hidden fees or changes to your scheduled payments.

Can I pay it off early?
Yes. You can pay off your remaining balance at any time without penalty or additional fees.

What is the APR?
All financing plans are fixed at 26% APR for the full term of the plan.

Can I finance more than one product at once?
Yes. You can finance multiple products as long as the combined order total meets the $500 minimum.