HOW DOES THIS WORK?
HOW DO I OPEN AN ACCOUNT?    
HOW DO YOU QUALIFY?

We use multiple third party financial companies to approve your application. These companies Do Not look at your credit report. The base their decision on how much of a payment limit they will authorize for your purchase from our website based on the following criteria:

1. Time On Job (must be provable of at least six months)
2. Provable Income and employment. You must be able to prove at least $1500 a month. Co-applicants income is always helpful to increase the payment limit for your purchase.
3. Last Checking Account Bank Statement.  The bank statement is an indicator of your ability to make the monthly payment. Numerous bounced check charges, long periods of low bank balances, dormant or low number of transactions (incoming and/or out going), Less than three months time you since you opened your checking account can be an indications of inability or instability to make payments.
4. Is your checking account ACHable? This means does your bank accept direct bill accounts?

What Do I Do Next To Open My Account And Establish My Payment Limit?

To get your payment limit and account open you must fax or scan (and email) us the following information.  This information must be complete. Our finance companies WILL NOT accept partial or incomplete information.

Please fax to us at Toll Free 866-542-5615 or scan and email us at sales@iamsl.net Attn: Underwriting Department. Please remember incomplete packages will not be accepted by the financing companies for evaluation.

1. Compete the online secure application and indicate what item you would like to purchase. Click on the "open an account" button at the very top right side of this page
2. Drivers License or State Issued Picture ID to prove identity. Please enlarge in a copier the drivers license by 20%-30% before faxing. We must be able to read the drivers license information after it is faxed to us.
3. Recent paystub (last 2-3 weeks old)-This will prove your income and your employment. The paystub must have YTD (Year To Date) earning listed.  Self Employment is ok but has different requirements please see below for more details if you are self employed.  SSI of SSD income is ok. Please fax your Awards Statement as proof of income.  Retirement Income is Ok. Please fax Official proof of income from source of income.  Neither unemployment, nor Child Support will be considered as income. Please do not include documentation from these sources as income.
4. Last checking account bank statement. Your last hard copy that was mailed to you from your bank is acceptable. If you don't have a hard copy, a downloaded version from you online checking account is acceptable. The bank statement must have listed transactions in and out, balances, bank name, and your name listed on it.  We must have all pages of the monthly bank statement. If the top of the page says page 1 of 8 or 1 of 5 we must have all the pages even if the last page is blank.   
5. Voided Check- Please write "void" on a paper check. If you don't have paper checks that’s ok. Our financial companies require a "bank verificatioACH" form completed by your bank, signed and stamped by your bank. Please call us to obtain the form. A faxed copy from you bank direct to us is acceptable also.

PLEASE REMEMBER INCOMPLETE DOCUMENTATION WILL NOT BE ACCEPTED BY OUR FINANCING COMPANIES

Please fax a copy this information to Toll Free 866-542-5615 or scan and email to sales@iamsl.net. Please remember some scanned files are large files and your ISP may block them due to size. If you scan and email please call us at Toll Free 866-542-5598 to confirm we received the file. 

What Happens After We Receive Your Application Package? How Do I Complete My Order

Upon receipt of the complete package requested. We will process and forward your info to the financial companies for approval. Results will be communicated to you within 4-6 business hours Monday thru Friday 9 a.m. EST to 6 pm EST.

We will communicate to you your credit limit and repayment options 9, 12, 18 or 24 months payments based on the financial companies stipulations. 

If you have not already picked out your item, you will be requested to pick out the item or items from our website. If you don't see the item you want please let us know as we may be able to special order it for you.

A written agreement with instruction on how to complete the agreement will be emailed to you to complete and return. 

Upon receipt of the signed agreement the agreement will be processed and the item will be scheduled for delivery to your home.

Your payments will be made from your checking account to the finance company on the dates agreed upon on the written agreement after you receipt of the item.

Self Employment Application Process

We do work with Self Employed People.   We will need the following information

Drives License or State Issued Id

3 Months Bank Statements

Voided Check

Please fax to Toll Free 866-542-5615

Questions Toll Free 866-542-5598

Email us at sales@iamsl.net.

* Our funding sources do reserve the right to deny your payment plan request for any reason but mostly if we suspect you are involved with identity theft, fraud, or cannot demonstrate your ability to make the payments!