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Rating by Finanso®

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 a LutherSales's loan


How to Apply


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.


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.

What to focus on before applying for a loan with LutherSales

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between LutherSales and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All LutherSales’s reviews by September 2022
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