We assist borrowers in securing financing for Home Improvement and Retail Needs.

Once your application is submitted, we will submit it to the lending partner best qualified to give you the maximum approval amount at the best terms. Often, you will receive this decision within seconds. Some lending partners may take longer but you will always get a response by the next business day. If your application is pre-qualified, we may contact you to review the terms and conditions. Once you accept the terms and provide the stipulations if required, our lending partners will disburse the funds directly to the merchant. If your application is denied, you can always resubmit your application with a qualified 2nd applicant.

Often, you will receive a decision within seconds. Some lending partners may take longer but you will always get a response by the next business day.

In many cases applicants have the opportunity to add a 2nd applicant to increase their likelihood of approval. If your credit history is less than perfect it is strongly encouraged that you apply with a 2nd applicant. You may reapply with the 2nd applicant on our website.

Each lending partner has unique requirements and takes multiple factors into consideration including but not limited to income, credit profile, and outstanding debt balances.

United National Credit’s financing programs requires merchant participation. If the merchant is not enrolled, we will inform you and reach out to the merchant and attempt to enroll them.

United National Credit would disburse the funds directly into the merchants account.

If you have or had a credit card, bank loan or auto loan, you have a credit history, which includes a credit score. Credit scores are determined by your credit history and are based upon the balance and duration of existing credit lines, payment history, debt to credit limit ratios, length of credit accounts and types of credit used.