Do you work with Self Employed or 1099 customers?
Yes, the requirements are different and we will need three months of bank statements instead of 1 month or a recent tax return to prove income for self employed or 1099 employees.

Is unemployment considered income for your financing?
No, unemployment is not considered an income source. Each applicant must be on their full time job for at least six months to be considered.

Is child support considered income?
No, child support is not considered in determining your total provable income for credit limit purposes

Is retirement income counted?
Yes retirement income is counted as long as it is provable by some type of written documentation from the source of the retirement income

Is SSI or SSD acceptable income?
Yes as long as you can provide your awards statement as proof. We will not accept SSI or SSD for children as income consideration.

Is military income acceptable?
Yes, just include your LES with the other documentation submitted.

What if I have had a bounced check in the last 30 days?
Depending on the financing source we use one bounced check doesn’t disqualify you.

Do you accept savings account instead of checking accounts?
Yes, a few of our financing companies accept savings accounts as long as you have activity in the account and have owned for at least 90 days.

Do you accept internet accounts like Metabank or Net Spend or others?
Yes in some cases we can. We typically need a “voided” check from that account. Most people do not have a paper check with these internet banks. There is a form we can supply you that must be signed and stamped by a representative of the internet bank. As the account holder it will be your responsibility to work with your bank to accomplish this task.

I am paid cash and don’t get a paystub will this work?
It is very difficult to prove income in this situation. If you are reporting the income on your tax return we can sometimes use that with the finance companies. This will be considered on a case by case basis.

Does my cosigner have to been a relative?
No, the cosigner can be anyone you want as long as they have been on their job for at least six months and have provable income. The financing companies will require a bank statement from the cosigner if they are not on the same account as the primary applicant

Do you deliver to Alaska and Hawaii?
Yes but additional shipping charges apply.

Are you products new or used?
All our products are new unless specified as used clearly on the website

When can I fax in my information?
Our faxes are on 24 hours a day 7 days a week 365 days a year. Toll Free fax number is 866-542-5615.

Can I scan and email my information?
Yes, send to mailto:sales@iamsl.net. Please beware scans can be large files and your local internet service provider may reject sending them if too large. Once you have sent the information please contact us by phone to confirm receipt. Toll Free 866-542-5598

Where are you located?
Indiana but we ship nationwide.

Do you ship overseas?
No not at this time

If I don’t see what I want can you get it for me?
Yes, in a lot of cases we can special order items. Just let us know your needs by emailing us at mailto:sales@iamsl.netor call us at Toll Free 866-542-5598

What if I have a question not answered here?
Just email us or call us and we will be happy to help sales@iamsl.net or call Toll Free 866-542-5598

Why are you asking for my bank statement?
First of all, it is not our requirement but the finance companies we work with. These financing companies don’t look at your credit bureau (no credit check) but they look at your bank statement to generally determine if you have the ability to make the payments from a cash flow perspective. They don’t care where you spend your money. The want to make sure your account is not dormant which means Zero or low transaction history). They want to make sure there are not many negative balances over the month or a bunch of bounced check charges. Also, accounts with less the 30 days of history can show instability.

If I send you my bank statement can you steal my money!
NO! NO! NO! Your bank statement does NOT state you are giving us permission to charge anything. You have not signed anything allowing us to charge you anything and without proof and authorization from you it will be illegal to charge anything to your bank statement AND your bank would not allow us to do that without written signed authorizations.

Can this be billed to me without taking it from my bank account?
No, our finance companies will not invoice they only bill through ACH payments like most financing and utility companies do at this time.

Can I be approved if I don’t send over a complete 30 day bank statement with the
other information you request? No, this is a requirement of the financing companies.

Why do you require personal references?
We do NOT call references in consideration of your application. Our finance companies require this information in case you quit responding to them AND you are not making timely payments. They will reach out to your references like any finance company in an attempt to contact you.