Sign up and Shop

1. Pick up an application and a card from the store clerk

2. Call the 24 hour call center and enroll in the program by providing profile and bank account information

3. Provide two days per month that you would like to be debited and repay the loan. Provide a voided check to the store clerk.

4. Essentia verifies your bank account information

5. After your bank account is verified you are instantly approved

Purchase Needed Items

6.  After registering your card you will have an instant store credit that you can spend immediately

7.  Buy the items you need now and repay on the next repayment date

Pay & Earn

8. The purchases made on the card are submitted to Essentia for payment.

9. Your bank account is debited on the next scheduled payment date for the balance of the card

10. Essentia receives the funds from the bank

11. Each time your bank account is successfully debited your credit line will increase

** You can eventually earn up to $125 in store credit