Financing options: Arc90
ARC 90 is a short-term payment plan designed for individuals who can pay but want to avoid high-interest credit cards, leases, or personal loans. The plan offers 3 to 12-month terms for amounts ranging from a few hundred to several thousand dollars per purchase. It has a three-tier approval process:
Tier 1 (Fasttrack): Provides up-front funding of up to $3,500.
Tier 2 (G code): Ensures the store receives qualified payments as they come in.
Tier 3 (V code): Offers an easy in-house financing option that allows stores to collect fees and increase profit margins.
Why choose arc90?
ARC 90 offers a more affordable alternative to leases or rent-to-own plans, which often have an effective cost 80% or more above the cash price, without disclosing it. ARC 90 charges only the item cost, a $35 fee, and a 15% store fee for annual terms, with shorter terms charging as low as 9%. In contrast, leases can add $40 or more in costs, plus a potential ‘buy-out’ fee at the end.
ARC 90 provides the product upfront with up to 12 months to pay, without using your Social Security number or affecting your credit score unless there’s a default. Eligibility is based on recent financial history, requiring full-time minimum wage earnings, no recent NSF activity, a standard checking account, and a valid state ID or driver’s license.
Global Check charges $35 at purchase, and the store may charge up to 15%. The first payment for an annual plan is around 25% of the total, with smaller payments thereafter, and users can pay off the balance early with no extra steps.
Example using an annual term sale paid in bi-weekly payments:
| Cash Price | Down Payment | Remaining Payments | Price Paid | |
| ARC90 | $1000 | $322.50* | $39 declines to $32 | $1185 |
| Lease | $1000 | $310** | $63.75 | $1840 |
* Includes $35 arc fee and 25% of total ($1150)
** Includes $40 fee and 15% of total ($1800)
