Special Financing For Everyone!
The vast majority of Metro-Detroiters qualify for at least one of our three great credit options. Apply online now or click here and a Gardner-White Financial Specialist will contact you by phone within 24 hours.
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| Gardner-White Credit Card | Less than Perfect Credit | No Credit Needed | |
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Apply Now
or make a payment. |
Apply Now | Apply Now | |
Options |
Special Financing Options1 | 6 & 12 Mo. Deferred Interest Promotions* | 101 Days, Same as Cash** |
No Down Payment |
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Max Credit Limit |
$10,000 | $5,000 | $5,000 |
Term |
60 Months Special Financing
on purchases of $699 or more made |
Revolving Credit | Up to 18 Months† |
Instant Approval |
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No Application Fee |
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1Subject to credit approval.
2Subject to credit approval. Valid for single transaction only. Excludes items marked “Free Shipping,” "Final Price" items, outlet and floor sample items.
Gardner-White Credit Card Accounts are issued by Comenity Capital Bank.
*Deferred Interest: Interest will be charged to your account from the purchase date if the qualifying purchase balance is not paid in full within the promotional period or if you make a late payment. You must pay more than your minimum payment to avoid paying interest. [6 or 12] month deferred interest promotion provided, subject to credit approval. See Cardholder Agreement for details. Fortiva Retail Credit accounts are issued by Mid America Bank & Trust Company, Member FDIC, Rolla, MO.
**Epic Pay is powered by © American First Finance info@americanfirstfinance.com or 1-855-721-1188 (Toll Free). Every lease with Epic Pay offers terms for early buyout (EBO). Discounted lease fees vary based on the date of early payoff. The initial option is “same as cash” if exercised within 101 days. The second option, beginning on the 102nd day, would allow you a 55% discount on the remaining term’s balance. Approval is possible without a FICO score, but American First Finance may check credit history.
†Lease term