"NO CREDIT CHECK" payment plan that gives you the opportunity to purchase your service or products with an option of 6,9 or 12 months to pay for it.
‍ARC 90 is often less expensive than a credit card or personal loan. The term can range from three to twelve months. This is not rent to own or a lease. It's a purchasing option designed to fit your budget. Your credit rating is not part of the decision process. Your recent financial history is. Your income level does matter but even a full time minimum wage earner can qualify.


All you need is an open and ACTIVE bank account that's been open for at least 6 months. No NSF's or Overdrafts in the past 90 days and a frequent deposit of income, yes you can be self-employed. (Account cant be negative when applying nor short of funds).

To get started, register by clicking link below. Registration is how we determine the plan limit. We examine income, spending habits, and prior banking history to calculate a manageable amount. Part of the process requires having your bank provide us a current bank statement via our account verification process. If you have direct deposit no other action is needed. If you don't you may have to upload a copy of your most recent pay stub.

To use it at a participating merchant's location your driver license acts as your account ID. The store creates the payment plan while you're there. Payments are collected via ACH debit. There are no surprises. You receive the schedule upfront and e-mail notices prior to each payment. You can track your billing and balance any time. If paid off early you'll save even more.