Easy Credit is a contractual arrangement between American Stores(Owner) and a Hirer in which the Hirer can buy an item by making an initial down-payment (or not) and thereafter pay monthly installments of rent for a specific number of months. After which legal ownership of the item is transferred to the Hirer on settlement of the account.

It’s Easy. Select your item(s) and apply at any of our 11 American Stores branches nationwide or even online, walk with your required documents (2 forms of ID, recent job letter, pay slip, utility bill) and get approved!

Sure. Along with your 2 forms of ID and utility bill you will need to show proof of income, also we ask for your last 6 months bank statement and receipts.

No. Easy Credit means that you begin using the item right away, and pay for it over time. Layaway means the merchant sets aside the item for you until you have paid for it in full.

You get the possession and usage of the item(s) while still paying for it. Easy Credit Financing, once properly managed allows you yo maintain an acceptable lifestyle.

You can pay online or at any of our 10 branches of American Stores nationwide or any of the 1200 VIA locations nationwide.

It depends on the time the account was taken. However, we do ask your ID and the most recent pay slip to expedite the process.