Customer FAQs>
What are the interest rates and other terms of the finance program?>

Your annual percentage rate (APR) and high credit will be dependent on your FICO score. The APR ranges from 9.99% to 23.99% and is fixed for the duration of the contract. The total amount eligible for financing is dependent on your FICO score. The financing terms range from 48 to 84 months based directly on the total amount financed. The first contractual payment installment will be due 30 days from the date of delivery and each month thereafter. Subsequent monthly installments will made through the borrower’s method of payment each month. The minimum financed amount is $1,500.00. Not all buyers may qualify.

Are there any pre-payment penalties for paying off the loan early?>

You may pay off your contract in full at any time without penalty.

How long do I have to spend my full approved amount?>

The high amount that you have been approved for is good for 90 days on your current application only.  Any subsequent requests must be submitted through the same application process and will be re-evaluated.  This product is not a revolving line of credit.  A new credit report will not be pulled if within 90 days of previous application.  The maximum number of open loans is restricted to two (2) and total of the loans will not exceed the high approved amount.  A minimum of one (1) on-time payment must be made on the current loan prior to any additional approvals.  The minimum amount to be financed is $1,500.  Be sure to read all of the contract disclosure information and if you have any questions, please feel free to contact U.S. Credit, Inc. at (888) 810-7393 or email to

Are there additional cost, fees or taxes?>

There are no fees associated with the application process. Any shipping and handling costs charged by the dealer may be added to your final invoice.  These fees will be included in the financed amount. Taxes will vary from state to state. There is no money down required.

How do I make payments?>

Your loan will be serviced by Reunion Student Loan Finance Corporation-RSLFC. Your payments will begin 30 days from the date you sign the loan documents. You will have both a web based and mobile account portal to submit payments, update account information and monitor your account.  

Application Instructions>

Step 1. To see if you are eligible to apply for financing you will be asked to provide your full name, current address and your social security number. This is a credit ‘soft-pull’ and will not impact your credit ratings or score. If you are eligible you will the complete the credit application. You will be asked to provide your basic demographic information and prompted to set-up an account to access the customer portal. Your email address will be your User ID; you choose your password.

Step 2. Read and acknowledge the Application Agreement (Consent to Review Credit), Privacy Policy, and Consent to Receive Information Electronically by checking the appropriate box and then submitting your application.

Within 60 seconds you will receive your initial credit decision; either an approval or a denial. If you are approved move on to Step 3 of the process.  If you have been denied, you will receive a letter in the mail with the specific reason(s) for the denial.

Step 3. Upload an image of your current state issued photo ID to the customer portal. U.S. Credit will not accept information via fax or email.

Step 4. Contact the participating dealer or manufacturer that you are purchasing from to place your order. Please call us and we will be happy to provide you with the contact information. Remember the minimum financing amount is $1,500.00.

Step 5. When your product invoice is complete you will receive an email from DocuSign with a link to your documents.  You will be prompted to electronically sign your documents.  Once your documents are signed we will send payment to the dealer and your payments will begin 30 days from that date. Once documents have been signed they are final and are not subject to change or cancellation. U.S. Credit will not be held responsible for any unsatisfied work or insufficient product.   Any returns or deficiencies regarding the product are to be directed to the Dealer/Manufacture

Contact Us>

U.S. Credit, Inc. Customer Service is available to assist you throughout the application process. Feel free to reach out for support when needed. We are happy to help!

Monday-Friday, 8:30am-7pm EST

Toll Free: (844) 223-2632 | Email:

About U.S. Credit, Inc.>

U.S. Credit, Inc. is an innovative consumer finance company with office locations in Florida and Massachusetts. USCI operates predominantly within five market niches: Health Care Products and Services; Education Credit and Vocational Advancement; Storage Solutions; Home Improvement Products and Services; and Outdoor Sports. For more information about our company contact us at (888) 810-7393


We are excited to offer you competitive rates and flexible terms for your consumer loan. 

Check your eligibility WITH NO RISK before you even apply!

Simply click below to begin the quick and easy application process.

Check Eligibility to Apply
Program administered by U.S. Credit, Inc. with financing provided by third-party lenders. U.S. Credit, Inc. is not a broker or a lender. All lending subject to terms and conditions arranged directly between customer and such lender and are all subject to credit requirements and satisfactory completion of financing documents. Not all applicants may qualify.