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 LEGAL INFORMATION / FINANCING

AFBC No Credit Check In-House Financing - Terms / Exclusions

The ALL Furniture By Catalog, No Credit Check In-House Financing program, is only available to residents of El Paso, Texas with personal references who live within El Paso County ( No Exceptions ), 18 Years of age or older, for non-commercial use. A credit application needs to be filled online, in-person or in writing, by printing one via the AFBC Credit Application page.

A $300.00 minimum purchase order is required for AFBC In-House Financing. This amount is before sales tax, delivery fees and other charges. AFBC financing cannot be combined with Current Offers, coupon offers, clearance items, or any other available discounts.

In order for AFBC to Guarantee Credit Approval, with no credit limit financing, applicant(s) must provide / meet ALL of the following information / documentation / requirements ( in their own name - no exceptions ):

* Texas Drivers Licence or Texas ID Card. ( for identification purposes )
* Proof of income. ( Last pay stub, employer letter, etc. )
* Two forms of proof of residence. ( Lease agreement, mobile Phone / gas / home phone bill, etc. )
* Three family references. ( complete with physical addresses and phone numbers )
* Two friends references. ( complete with physical addresses and phone numbers )
* A minimum of three months employment required. ( full time or 30+ hours part-time employment )
* New customers required down payment amount ( 50% of purchase order total )
* Previous customers required down payment amount. ( based on payment history )

When applicant submits a No Credit Check In-House Financing application, whether online, in-person or via US Postal Service, He / She hereby:

(1) Certify that ALL information is true, correct and complete.
(2) Allow AFBC to contact any person or companies listed and fully released ALL parties form ALL liability, for any inconveniences / damages it may result.
(3) Agree and understand that application is subject to credit approval by AFBC, located in El Paso, Texas, which ALL payments are to be remitted to, accordingly on due dates.
(4) Agree and understand that I do not exercise any ownership rights of merchandise, until paid in full.
(5) Understand that any personal information must be updated in writing, in case if it changes.
(6) Understand that AFBC will retain the application securely, only if approved.
(7) Certify I have read the AFBC Privacy Policy and this AFBC In-House Financing Legal Information.

In the rare event credit application is not approved or credit is granted but not used, ALL information and documentation provided, whether online, in-person or via US Postal Service, will be deleted / destroyed securely, after 15 days from date of application. A new credit application would need to be filled after 15 days of last application.



Payment Methods / Layaway Down Payment / Financing Cost Increase - Terms / Exclusions

Payments are to be paid on a weekly, bi-weekly or monthly basis. Payment methods include the following: Cash, Personal Checks (sorry, no temporary checks), Money Orders, Cashier's Checks and Debit / Credit Cards.


Cash payments are to be paid in person only. Please DO NOT / NEVER mail cash payments. Any returned check for non-sufficient funds, will be subject to a $45.00 processing fee, on top of check amount, plus a $5.00 late fee, if applicable.


For your convenience, you can layaway your down payment amount. Take up to six months to deposit required down payment amount. Merchandise would be relesed after full down payment is deposited.


Financing merchandise cost increase - Since ALL cost prices shown on our website are considered cash prices, a 10% merchandise cost increase will take effect, when financing any merchandise.


This merchandise cost increase, will be credit towards remaining balance ( not as a payment, rather as a whole one-time deduction, from balance only ), after six consecutive on-time weekly, bi-weekly or monthly payments.


Six consecutive on-time weekly, bi-weekly or monthly payments, must be made before the 10% merchandise cost increase amount can be deducted from remaining balance. In the event this cannot be achieved, the 10% cost increase amount, will not be deducted from your In-House Financing agreement balance. No exceptions.



AFBC Accident / Job Loss Insurance / Benefits / Requirements - Terms / Exclusions

The AFBC Accident / Job Loss Insurance is optional. This insurance must be purchased at placement of In-House Financing purchase order. If you have an accident mishap that prevents you from working within a week or more / become involuntarily unemployed during the AFBC In-House Financing agreement, a monthly payment term would initiate, at a weekly payment rate, until paid in full.

The AFBC In-House Financing Accident / Job Loss Insurance cost is determined by the length of agreement. The minimum cost is $3.00 and the maximum cost is $24.00, if agreement is being financed for 24 moths. Valuable protection at an affordable cost, another way AFBC wants every customer being financed, to have peace of mind during their In-House Financing agreement, if difficult times come their way.

In order for AFBC to honor the Accident / Job Loss Insurance, customer must provide written proof of accident mishap / involuntary unemployment, as oon as possible, to begin the benefits, before next scheduled payment. After written proof is provided, new payment plan / terms, will start after 30 days of accident / becoming involuntary unemployed.

The AFBC Accident / Job Loss Insurance does not prevent late fees or payment pick up fees. All payments need to be paid on-time, otherwise, late fees will add up to your outstanding balance. Please remember that no ownership exists until merchandise is paid in full, to extent of agreement or early pay-off is exercised.



AFBC Property / Life Insurance / Benefits / Requirements - Terms / Exclusions

The AFBC Property / Life Insurance is optional. This insurance must be purchased at placement of in-house financing purchase order. In the event of loss of merchandise due to fire or theft, or primary insured person suffers loss of life, during the AFBC In-House Financing agreement, the entire agreement becomes paid in full.


The AFBC In-House Financing Property / Life Insurance cost is determined by length of agreement. The minimum cost is S $3.00 and the maximum cost is $24.00, if agreement is being financed for 24 months. Valuable protection at an affordable cost, another way AFBC wants every customer being financed, to have peace of mind during their In-House Financing agreement, if difficult times come their way.


In order for AFBC to honor the Property / Life Insurance, customer must provide written proof of loss of merchandise due to fire or theft, as soon as possible, before next scheduled payment. A Police or Fire Department report copy must be provided. In the event of loss of life by the primary insured customer, a death certificate copy must be provided, by any family member, as soon as possible.


After written proof of loss of property, due to fire or theft, or loss of life by primary insured customer, a paid in full invoice will be mailed to the address on file, showing a zero balance. Please allow 24 hours to be mailed.



24 Months Interest-Free / Annual Percentage Rate (APR) / Requirements - Terms / Exclusions

Customers who pay their In-House Financing agreement accordingly, within 24 months from date of purchase, will pay no interest. On-time payments has it's rewards, otherwise, interest will be accrued from date of purchase at the regular 1% monthly interest, until paid in full.

The APR is calculated at 1% per month interest. If agreement is being financed for 24 months, the APR would be 24% interest. Customers are welcomed and encouraged to pay-off early to save interest.



Payment Pick Up / Late Fees / All Paperwork and Receipts Fee / NFS Returned Check Fee - Terms / Exclusions

A $5.00 fee will incur if a payment is not received accordingly on due date. If an AFBC Representative picks up payment and / or if payment was given with an NSF returned check.


Payments made via US Postal Service, will be considered current, as long as postmaster date on letter is before or the same date as payment due date. Payment receipts will be mailed back to customer, showing new balance, on the following weekday.


The AFBC Accident / Job Loss Insurance doe not prevent late fees or payment pick up fees. ALL Payments need to be paid on time, otherwise, late fees will add up to your outstanding balance. Please remember that no ownership rights exists until merchandise is paid in full, to extent of agreement or early pay-off is exercised.


A $1.00 paperwork and receipts fee, will be added to ALL AFBC In-House Financing agreements, unless paid with cash upfront. This fee is added to help recover the cost of all paperwork and payment receipts, associated with financing a purchase order. ( credit application, down payment receipt, customer proofs / documentation copies, future payment receipts, etc).


Non-sufficient funds ( NSF ), returned checks are subject to a $45.00 processing fee, on top of check amount, plus late fee, if applicable.


AFBC reserves the right to refuse financing to any applicant at anytime, without cause at AFBC's sole discretion. By applying to the AFBC No Credit In-House Financing, you agree and abide to ALL exclusions / terms above.



If you have any questions or comments about our Legal Information / Financing page, please don't hesitate to Contact Us. Thank you!