Lender
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Apply For LutherSales

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How to Apply

Requirements

To apply for this buy-now-pay-later service, you have to set up an account. You will need to provide some basic information first, and then you'll be requested to supply data regarding your past employment history, current employment status, and income. Based on that, the company will calculate and set a credit limit for your account. A personal shopper will assist in developing a payment plan that works best for you.

The application is usually approved within three minutes. There's no set list of requirements for you to qualify for the service, so your ability to fulfill the criteria usually depends on your employment history and current financial standing. They don't check your credit score. Instead, LutherSales focuses on your current income so that you can rebuild your credit.

Application details

LutherSales requires you to provide detailed information regarding your employment, so the required documents will most likely include bank statements and paystubs. On average, your application shouldn't take more than a few minutes to process.

The most common reasons for rejection are related to your past and present employment since you need to prove that you have the ability to make payments and continue making payments for the entire duration of the loan. For instance, if you cannot hold a job for an extended period of time on numerous occasions, you will be turned down for this service. It must be noted that it still might be possible to qualify after rejection if you apply with American First Finance, a business affiliate of LutherSales.

How to apply for service

After you choose to create an account, you'll be asked to give your contact info to initiate the application project. Then, you will be asked to provide data regarding your present employment status, most likely your latest monthly salary and pay stubs. After some consideration, your application will be approved, and the client support team will get in touch with you to finalize the details. From now on, you are free to purchase items that suit your budget.

FAQ

Do I have to have good credit to be approved by LutherSales?

Your application will be placed under review even if you have a bad credit history. For the most part, the decisions are based on your current employment status and salary.

Can I get a LutherSales credit if I have not been on my job for at least 2-years?

Your application will be considered no matter what. If your employment status is not showing as active, this company will offer you a payment plan with deposit requirements.

What is my LutherSales credit limit?

Your credit limit will depend on a number of different factors, and they vary greatly from case to case. In short, your spending limit will be highly personalized and negotiable as well.

Offers
LutherSales
Buy Now Pay Later Plans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Term
i

Loan term for the financial product

up to 36 months
Apply
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Finanso
Personal Loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
2000.00 – 100000.00 $
Rate
i

Interest rate

6.34 – 35.89 %
Term
i

Loan term for the financial product

2 months – 72 months
Apply
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
100.00 – 4000.00 $
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.93
(20 Ratings)
Recommended FinScore™
0
300
650
1000
450.00 – 12000.00 $
Rate
i

Interest rate

27.50 – 81.29 %
Term
i

Loan term for the financial product

6 months – 1399 days
Apply
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

4.25
(20 Ratings)
Recommended FinScore™
0
300
650
1000
to 1500.00 $
Rate
i

Interest rate

to 160.00 %
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