RC Willey Credit and Payment Plans

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RC Willey Financing Plans

RC Willey Financing Plans

Below is a description of our financing 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.)

Premier Plan

This promotional payment plan is available on all RC Willey purchases over $299. The plan requires a MINIMUM PAYMENT of 3% of the principal balance (4% with Payment Protection Insurance) each month until paid in full. Interest accrues from the date of purchase with a 9% APR calculated on the monthly average daily balance. The plan is subject to RC Willey credit approval. Some restrictions apply. See your nearest RC Willey store for details.

12 Months, Deferred Interest

This plan offers no down payment and is available on purchases over $299.00. 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 total 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. 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 Regular Finance 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

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 total 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. 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 Regular Finance plan. This plan requires a $1.00 per month handling fee for paper statements. Web statements are available at no charge.

Custom Financing Plan

This payment plan is available on all RC Willey purchases. The plan requires a MINIMUM PAYMENT of 5% of the principal balance each month until paid in full. Interest accrues from the date of purchase at the rate of 1.75% per month (APR 21%) calculated on the monthly average daily balance. The plan is subject to RC Willey credit approval. Some restrictions apply. See your nearest RC Willey store for details.

Regular Finance Plan

This payment plan is available on all RC Willey purchases. The plan requires a MINIMUM PAYMENT of 3% of the principal balance (4% with Payment Protection Insurance) each month until paid in full. Interest accrues from the date of purchase, and/or a balance transferred from a deferred interest plan, at the rate of 1.75% per month (APR 21%) calculated on the monthly average daily balance. The plan is subject to RC Willey credit approval. Some restrictions apply. See your nearest RC Willey store for details.

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/balance transfers], 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 Payment Plan if the balance isn't paid in full.
5th Due Date
Purchase Date 12NI Due 18NI Due
Jan 11 - Feb 10 Feb 5 Aug 5 (Next Year)
Feb 11 - Mar 10 Mar 5 Sep 5 (Next Year)
Mar 11 - Apr 10 Apr 5 Oct 5 (Next Year)
Apr 11 - May 10 May 5 Nov 5 (Next Year)
May 11 - Jun 10 Jun 5 Dec 5 (Next Year)
Jun 11 - Jul 10 Jul 5 Jan 5 (2nd Year)
Jul 11 - Aug 10 Aug 5 Feb 5 (2nd Year)
Aug 11 - Sep 10 Sep 5 Mar 5 (2nd Year)
Sep 11 - Oct 10 Oct 5 Apr 5 (2nd Year)
Oct 11 - Nov 10 Nov 5 May 5 (2nd Year)
Nov 11 - Dec 10 Dec 5 Jun 5 (2nd Year)
*Dec 11 - Dec 31 Jan 5 Jul 5 (2nd Year)
*Jan 1 - Jan 10 Jan 5 Jul 5 (Next Year)
15th Due Date
Purchase Date 12NI Due 18NI Due
Jan 21 - Feb 20 Feb 15 Aug 15 (Next Year)
Feb 21 - Mar 20 Mar 15 Sep 15 (Next Year)
Mar 21 - Apr 20 Apr 15 Oct 15 (Next Year)
Apr 21 - May 20 May 15 Nov 15 (Next Year)
May 21 - Jun 20 Jun 15 Dec 15 (Next Year)
Jun 21 - Jul 20 Jul 15 Jan 15 (2nd Year)
Jul 21 - Aug 20 Aug 15 Feb 15 (2nd Year)
Aug 21 - Sep 20 Sep 15 Mar 15 (2nd Year)
Sep 21 - Oct 20 Oct 15 Apr 15 (2nd Year)
Oct 21 - Nov 20 Nov 15 May 15 (2nd Year)
Nov 21 - Dec 20 Dec 15 Jun 15 (2nd Year)
*Dec 21 - Dec 31 Jan 15 Jul 15 (2nd Year)
*Jan 1 - Jan 20 Jan 15 Jul 15 (Next Year)
25th Due Date
Purchase Date 12NI Due 18NI Due
Jan 1 - Jan 31 Jan 25 Jul 25 (Next Year)
Feb 1 - Feb 29 Feb 25 Aug 25 (Next Year)
Mar 1 - Mar 31 Mar 25 Sep 25 (Next Year)
Apr 1 - Apr 30 Apr 25 Oct 25 (Next Year)
May 1 - May 31 May 25 Nov 25 (Next Year)
Jun 1 - Jun 30 Jun 25 Dec 25 (Next Year)
Jul 1 - Jul 31 Jul 25 Jan 25 (2nd Year)
Aug 1 - Aug 31 Aug 25 Feb 25 (2nd Year)
Sep 1 - Sep 30 Sep 25 Mar 25 (2nd Year)
Oct 1 - Oct 31 Oct 25 Apr 25 (2nd Year)
Nov 1 - Nov 30 Nov 25 May 25 (2nd Year)
Dec 1 - Dec 31 Dec 25 Jun 25 (2nd Year)

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