Frequently Asked Questions
What are your qualifications to get a computer? You must have a valid checking or savings account since the bank will debit your account
for monthly installments. You must not currently be in bankruptcy. Prior bankruptcies are OK as long as they have been discharged. You must also have at least one good line of credit showing on your credit report and
you must be at least 18 years of age and have a minimum monthly gross income of at least $1,500.
How long does the approval process take? It could take anywhere from 1-3 days for an application to be processed.
How will I know if I was approved?
You will be contacted by e-mail or telephone. It usually takes 1 business day before you will know the status of your application.
Am I guaranteed to be approved?
No. We do not guarantee approval nor do we state any type of approval percentage. Please be cautious when dealing with those that make those type of claims.
When will my first payment be due?
Thirty (30) days after the bank receives your signed agreement, but it is always best to make sure that the first installment is in your account when you send the paperwork to the bank.
What is the process and how long after I am approved will it take for me to receive delivery of the computer system?
After your application is approved, you will receive an e-mail or telephone call with further instructions. After we receive your reply back we will send the paperwork to you via e-mail. When your paperwork is returned back to our office, you will receive your computer in 7 to 10 business days by United Parcel Services (UPS).
Do I need a checking/savings account?
Yes. The monthly installment must be debited from a checking or savings account.
What type of loan am I applying for?
You are applying for an actual loan. This is not a lease and it is not a rent to own contract. You own the system when the balance is
paid in full. You may elect to payoff the loan early which will reduce the finance charges. You will not be penalized or be charged extra fees for early payoff.
What are the terms of the loan?
Terms will vary depending on your credit and the state you reside in. The annual percentage rate will be 18% and the terms will be for 30 months. Terms listed on this site are based on 30 months at 18% APR
Is there a down payment?
There is a $0 down payment on all systems. But as long as the paperwork is returned back to Solutions Plus Inc. within 72 hours from the date you receive the agreement Solutions Plus Inc will make the downpayment for you
How much will my payment be and for how long?
Monthly installments vary depending on the system and on each individual's credit worthiness, but it will be an amount that will fit right into your budget. Payments can vary between $50 to $125 per month for 24 months.
What kind of credit do you need to have?
Your credit doesn't need to be AAA+++ perfect. We specialize in helping those with blemished credit. However, we do ask that if you have filed bankruptcy, that it should have been dismissed and also, that you be current on your present credit obligations.
Do you report to the credit bureau and will this help build my credit? No.. Only at your request will your account be reported to all the major credit bureaus..
Are the computers upgradable? They are fully upgradeable, custom built computer systems. The systems come as a complete package.
What does the computer come with?
Please refer to your computer specification sheet and the specifications listed for each system on this website.
Is there a warranty? Yes there is. Their is a 1 year in-home warranty to protect your investment.
Are these computers brand new?
These are brand new, top quality DELL computers systems with 1 year of toll free technical support.
Can I upgrade these systems prior to delivery? Yes, your representative will give you your options upon approval of your application.
Can they ship my computer to a P.O. Box address?
No, you will need a physical address.
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