Frequently asked Questions
1. Are you the same as "Rent to Own?"
2. Do you ship out of area?
3. How long does it take to receive merchandise?
4. Can civilians apply for credit or shop in your stores?
5. Do you help me rebuild my credit?
6 Are your financing rates competitive with other retailers?
7. How does your financing work?
8. I am not near a store to pickup. How does delivery work?
9. What if I have a problem with the merchandise I purchased?
ANSWERS:
1. No, unlike rent to own, the merchandised is purchased, you own and finance it. Additionally USA Discounters is able to offer lower monthly payments than rent to own businesses, which means more money in your pocket each month.
2. Yes
3. We offer next day delivery with the exception of special order items or out of area deliveries.
4.
Absolutely , civilians are welcomed to apply for credit or buy from any of of store locations. They have been a significant part of our business for over 17 years.
5. Yes, when you are approved and make a purchase, we report your payment history to all three [3] major Credit Bureaus.
6. Our financing rates are very competitive with other retailers and in some cases substantially lower, based on the term of your contract. Many retailers financing rates are variable (tied to the prime rate), USA Discounters financing rates will not go up during the life of your signed installment contract. You know exactly what your monthly payment will be. You know exactly how many months you will have to pay. Many retailers hope you will only pay the minimum amount as this will extend the payments and interest for their companies for many years.
7. We offer in-house financing. A simple application can be done at our website, in our stores or on the phone.
8. We offer delivery nationwide to your door with setup.
9. We have an excellent customer service dept (Toll Free number 800-343-4373), that can arrange to service everything you buy.
Agents available:
Mon. - Fri. 10 AM to 9 PM
Sat. 10 AM to 6 PM
Sun. 12 PM to 5 PM
If you have had past credit problems or past bankruptcy, USA Discounters is here to help you. Military and Civil Service employees automatically approved.