How MrPayUSA Works
How MrPayUSA Works
Three simple steps stand between you and the appliances you need. No stress, no hassle — just easy payments that fit your life.
Apply on Your Phone or Computer
Fill out our quick, secure application in just minutes — entirely from the privacy of your phone or computer. No paperwork, no in-store visits, no hard credit pull. All credit types are welcome.
- Takes less than 5 minutes
- No hard credit pull
- All credit types considered
- Bank-level encryption
Step 01
Apply on Your Phone or Computer
Get Approved Instantly
Receive your approval decision fast. Qualified customers can be approved for up to $10,000. Once approved, you'll know exactly how much you're approved for and what your payment options look like — before you ever set foot in a store.
- Instant approval decision
- Up to $10,000 approved
- Know your budget upfront
- Flexible payment terms
- Up to 18 months to pay
- Ask about our Flex-down option to reduce your payment and total cost
Step 02
Get Approved Instantly
Shop at Mr. Appliance
Visit your local Mr. Appliance store, or shop online at www.MrApplianceSales.com. We partner with them to bring you the best deals on appliances. Just let the sales associate know you were approved through MrPayUSA!
- Visit your local Mr. Appliance store
- Or shop MrApplianceSales.com
- Tell them you're approved
- Schedule the delivery of your new appliances
Step 03
Shop at Mr. Appliance
90-Day Same as Cash
Pay off early, pay zero fees
Bank-Level Security
Your data is always protected
Flexible Payments
Weekly or monthly options
All Credit Welcome
Good, fair, or rebuilding
Quick Answers
Does applying affect my credit score?
No — we do not perform a hard credit pull when you apply. Your credit score will not be impacted.
What credit score do I need?
All credit types are welcome. We work with customers across the credit spectrum — good, fair, or rebuilding.
Is a down payment required?
Depending on your approval, a down payment of up to 10% may be required at the time of purchase. We're always upfront about this — no surprises.
How long are the payment terms?
Payment terms range from weekly to monthly options, with terms available up to 18 months. You choose what works best for your budget.
What is the 90-Day Same as Cash option?
If you pay off your full balance within 90 days, no additional lease fees apply. It's like shopping interest-free for 90 days.
Can I pay off early?
Yes! We offer early payoff discounts. Paying ahead of schedule saves you money — we reward responsible payment behavior.
Ready to Get Started?
Apply in minutes from your phone or computer. No hard credit pull, all credit types welcome.
No hard credit pull to apply. All credit types considered.