PAPA YES Secure application · about 3 minutesSecure · 3 min
About 3 minutes · No credit card needed

See what you can spend.

Store credit · up to$3,000

Two quick taps show what you're pre-approved for. A few details after that make it yours.
Now open in 30 states and DC.

0% interestNo hidden feesChecking won't affect your credit score

Here for the Lectric XP Lite 2.0 Long-Range Folding Electric Bike – Black, Gates Carbon Belt Drive? Two taps show if it's covered.

How often do you get paid?

So your weekly payments land just after payday, never before it.

How often?
We line your weekly payments up with your paydays.
What do you take home a month?

This is what sets your limit. A rough number is fine — no pay stubs.

Main source of income
After tax. Tap the closest above, or type the exact figure.
Good news

Working out your limit…

  1. Checking your pay
  2. Lining up your paydays
  3. Working out your store credit

Based on your pay, you're eligible for

up to

of store credit to spend across the whole store, paid a little each week on your paydays.

An estimate, subject to approval. Your limit depends on verifying your details.

About 2 more minutes. Have ready: your address, your Social Security number, your driver's license or state ID, and the bank account your pay goes into.

What's your name?

So we know who we're talking to. Two seconds, promise.

How can we reach you?

Your pre-approval and sign-in link land here. No spam — we're too busy packing boxes.

Your pre-approval, your sign-in link and order updates are sent here.
When's your birthday?

Just checking you're 18 or over. We won't send a card.

You need to be 18 or over to join.
Where do you live?

Where your brand-new stuff gets delivered.

Pick yours from the list and we fill in the rest.
Your home

Helps confirm your address history. Rent or own, no judgment.

Do you own your home? (optional)
How long have you lived here? (optional)
Your next paydays

We line your payments up with the days money actually arrives.

So a payment never lands before payday.
Filled in for you from how often you are paid. Change it if it is different.
Where do you work?

Steady income is what makes paying weekly work. That's all we're checking.

Add job title and time there (optional)
The account your pay goes into

Locking in your limit…

  1. Your details are saved
  2. Your paydays are lined up
  3. Your limit is held for you
  4. Next: the account your pay goes into

This confirms the account your pay lands in, which locks in your limit.

Used only to confirm your account. Encrypted and private.

Which bank?
Start typing and pick it from the list.
Account type
Is your pay paid straight into it?
Helps confirm your income.
Now the two numbers

Used only to confirm your account. Encrypted and private.

In your banking app under "Account details" or "Direct deposit". Pop over, copy them and come back: your answers are saved.

9 digits. Not the same as your account number.
Usually 10 to 12 digits, next to the routing number.
Add how long you've had it (optional)
Nearly done — just confirm it's you

You're pre-approved. A quick ID check makes it official and keeps fraudsters out of your name.

Encrypted and never shown on the site. Only used to confirm it's you.

Nearly there

Last tap. Switch on "Agree to both", and your number appears.

Are you on active military duty?
Service members have extra protections under federal law.

Subject to approval; your limit depends on your details. Pre-approval is subject to verifying your identity and setting up your weekly payment plan. Weekly payment terms are set out in the agreement you receive.

Subject to approval. Your limit depends on your details. Currently 30 states and DC.

  • No credit card needed
  • Your limit in about 3 minutes
  • Brand-new, fast shipping

What your credit buys

Lectric XP Lite 2.0 Long-Range Folding Electric Bike – Black, Gates Carbon Belt Drive $26.30/wk Apple iPhone 17 256GB – Black $17.99/wk Nintendo Switch 2 Console $11.53/wk Apple AirPods Max (USB-C) $9.92/wk

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