RC Willey Finance Plans

Below is a description of our finance plans. Look them over and choose the plan that is best for you.
(All financing is subject to RC Willey credit approval. Some restrictions apply.)

Everyday Financing Plans

Regular Finance Plan

(REG)

This is a regular revolving credit plan. Interest accrues on the average daily balance and requires Minimum Monthly Payments.

6 Months, Deferred Interest

(6NI)

This plan offers no down payment and is available on purchases over $299.00. The plan has a MINIMUM PAYMENT (3% of the principal balance or 4% with Payment Protection Insurance) DUE EACH MONTH for 6 cycles. On the 6th billing cycle the customer will be billed for the final principal payment. If the balance is not paid in full by the due date, the accrued interest will be added to the remaining principal balance and transferred to the customer's Regular Finance Plan (REG). If 2 consecutive payments are missed, accrued interest will be charged from the date of purchase at a rate of 1.75% per month (APR 21%) on the average daily balance, and the entire balance transferred to the REG plan. This plan requires a $1.00 per month handling fee for paper statements. Web statements are available at no charge.

12 Months, Deferred Interest

(12NI)*

This plan offers no down payment and is available on purchases over $999.00. The plan has a MINIMUM PAYMENT OF 5% DUE EACH MONTH for 12 billing cycles. On the 12th billing cycle the customer will be billed for the final principal payment. If the full balance is not paid in full by the due date, the accrued interest will be added to the remaining principal balance and transferred to the customer's Regular Finance Plan (REG). If 2 consecutive payments are missed, accrued interest will be charged from the date of purchase at a rate of 1.75% per month (APR 21%) on the average daily balance, and the entire balance transferred to the REG plan. This plan requires a $1.00 per month handling fee for paper statements. Web statements are available at no charge.

18 Months, Deferred Interest

(18NI)*

This plan offers no down payment and is available on purchases over $1,999.00. The plan has a MINIMUM PAYMENT OF 5% DUE EACH MONTH for 18 billing cycles. On the 18th billing cycle the customer will be billed for the final principal payment. If the full balance is not paid in full by the due date, the accrued interest will be added to the remaining principal balance and transferred to the customer's Regular Finance Plan (REG). If 2 consecutive payments are missed, accrued interest will be charged from the date of purchase at a rate of 1.75% per month (APR 21%) on the average daily balance, and the entire balance transferred to the REG plan. This plan requires a $1.00 per month handling fee for paper statements. Web statements are available at no charge.

*Plans that are not available at participating merchants. These plans only apply to purchases made at RC Willey store locations.

Definitions

Average Daily Balance

To get the "average daily balance" we take the beginning balance of your account each day, add any new [purchases/advances/loans], and subtract any payments or credits, [and unpaid interest charges]. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the "average daily balance."

Minimum Monthly Payments

Minimum monthly payments range between 3% and 5% of your accounts highest balance until the account is paid in full. The percent used to calculate your monthly payment is based upon several factors including credit history.

Billing Cycle

A billing cycle is the period covered by a statement. The charts below will help you determine what billing cycle your plan will be transferred to your Regular Plan if the balance isn't paid in full.

5th Due Date
Purchase Date 6NI Due 12NI Due 18NI Due
Jan 11 - Feb 10 Aug 5 Feb 5 Aug 5 (Next Year)
Feb 11 - Mar 10 Sep 5 Mar 5 Sep 5 (Next Year)
Mar 11 - Apr 10 Oct 5 Apr 5 Oct 5 (Next Year)
Apr 11 - May 10 Nov 5 May 5 Nov 5 (Next Year)
May 11 - Jun 10 Dec 5 Jun 5 Dec 5 (Next Year)
Jun 11 - Jul 10 Jan 5 Jul 5 Jan 5 (2nd Year)
Jul 11 - Aug 10 Feb 5 Aug 5 Feb 5 (2nd Year)
Aug 11 - Sep 10 Mar 5 Sep 5 Mar 5 (2nd Year)
Sep 11 - Oct 10 Apr 5 Oct 5 Apr 5 (2nd Year)
Oct 11 - Nov 10 May 5 Nov 5 May 5 (2nd Year)
Nov 11 - Dec 10 Jun 5 Dec 5 Jun 5 (2nd Year)
*Dec 11 - Dec 31 Jul 5 Jan 5 Jul 5 (2nd Year)
*Jan 1 - Jan 10 Jul 5 Jan 5 Jul 5 (Next Year)
15th Due Date
Purchase Date 6NI Due 12NI Due 18NI Due
Jan 21 - Feb 20 Aug 15 Feb 15 Aug 15 (Next Year)
Feb 21 - Mar 20 Sep 15 Mar 15 Sep 15 (Next Year)
Mar 21 - Apr 20 Oct 15 Apr 15 Oct 15 (Next Year)
Apr 21 - May 20 Nov 15 May 15 Nov 15 (Next Year)
May 21 - Jun 20 Dec 15 Jun 15 Dec 15 (Next Year)
Jun 21 - Jul 20 Jan 15 Jul 15 Jan 15 (2nd Year)
Jul 21 - Aug 20 Feb 15 Aug 15 Feb 15 (2nd Year)
Aug 21 - Sep 20 Mar 15 Sep 15 Mar 15 (2nd Year)
Sep 21 - Oct 20 Apr 15 Oct 15 Apr 15 (2nd Year)
Oct 21 - Nov 20 May 15 Nov 15 May 15 (2nd Year)
Nov 21 - Dec 20 Jun 15 Dec 15 Jun 15 (2nd Year)
*Dec 21 - Dec 31 Jul 15 Jan 15 Jul 15 (2nd Year)
*Jan 1 - Jan 20 Jul 15 Jan 15 Jul 15 (Next Year)
25th Due Date
Purchase Date 6NI Due 12NI Due 18NI Due
Jan 1 - Jan 31 Jul 25 Jan 25 Jul 25 (Next Year)
Feb 1 - Feb 29 Aug 25 Feb 25 Aug 25 (Next Year)
Mar 1 - Mar 31 Sep 25 Mar 25 Sep 25 (Next Year)
Apr 1 - Apr 30 Oct 25 Apr 25 Oct 25 (Next Year)
May 1 - May 31 Nov 25 May 25 Nov 25 (Next Year)
Jun 1 - Jun 30 Dec 25 Jun 25 Dec 25 (Next Year)
Jul 1 - Jul 31 Jan 25 Jul 25 Jan 25 (2nd Year)
Aug 1 - Aug 31 Feb 25 Aug 25 Feb 25 (2nd Year)
Sep 1 - Sep 30 Mar 25 Sep 25 Mar 25 (2nd Year)
Oct 1 - Oct 31 Apr 25 Oct 25 Apr 25 (2nd Year)
Nov 1 - Nov 30 May 25 Nov 25 May 25 (2nd Year)
Dec 1 - Dec 31 Jun 25 Dec 25 Jun 25 (2nd Year)
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