Do you offer 90 days same as cash?
A: Yes, we offer a 90 day same as cash option.
If the customer has bad credit or has filed bankruptcy in the past can they be approved?
A: Our decision is not based on your credit status or a particular score. However, we cannot approve anyone currently in bankruptcy status.
What is the interest rate?
A: There is no interest rate. The customer makes monthly lease payments per the agreement.
Can the applicant apply with a co-applicant or co-signer?
A: No. We currently do not accept co-applicants or co-signers. We can add someone to the applicant’s account as an Authorized Inquirer. Authorized Inquirers can speak upon or inquire about the applicant’s account but have no ability to make any changes to the account. We also accept payments from Authorized Inquirers.
Are customers able to change the due date of their statement? If yes, what criteria must they meet?
A: Yes. Customers are allowed to change their payment due date 1 time a year, as long as they are current. The due date is automatically assigned when the account is accepted.
A customer needs to change their address or phone number on their account, what should I direct them to do (call, online, etc)?
A: YBUY Customers: Can call YBUY Customer Service at 1-877-761-2976 or visit www.ybuyservicing.com to update their personal information.
Can a resident of the United States, who does not have a social security number, apply for an account?
A: Yes. If the applicant does not have a social security number, they can use their taxpayer identification number (TIN). If the applicant does not have either number, they cannot apply.
Can a customer add another individual to their account?
A: Customers can add 1 Authorized Inquirer to their account. Authorized Inquirers can speak upon or inquire about the customer’s account but have no ability to make any changes to the account.
Do you accept an ITIN?
A: Yes, we accept ITIN.
Can I use a P.O. Box for my address?
A: We have to have a physical street address where you live and where the leased merchandise will be kept.
What types of income will you accept?
A: We accept income from Social Security, Retirement, Pension and Self Employment.
Do I make my payments at the store?
A: Some of our merchants can accept payments.