Our Location

2235 Covington Pike
Memphis TN 38128
Phone: (901) 372-9922
Fax: (901) 372-9969
Email: info@901sounds.net
Mon -Sat 9:00am - 7:00pm
Sunday 11:00am -5:00pm

No Credit Check
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Step 1

  • Customer fills out application (online or fax)
    * Over 70% are auto-approved on “Step 1" alone!

Step 2

If not auto-approved provide the following:

  • Most recent pay stub with year-to-date totals
  • Copy of government photo ID with clear signature and name
  • Most recent 30 days of bank transactions
  • Voided check from the same bank account
  • Additional documentation may be requested
    * Approval rate increases from 70% to 90% after receiving requested documentation

Document Requirements

Most recent pay check stub must verify:

  • Minimum $1,000 gross income per month
  • Customer must have been employed for past six months at the same job or within the same industry (No temp service)
  • Year-to-Date totals must be shown on check stub provided showing earned income for that year

Most recent 30 days of bank transactions must verify:

  • $500 in deposits in the month
  • Good average daily balances with positive balance at beginning and end of statement
  • Zero NSF fees or return charges
  • Less than 6 overdraft charges
  • More than 5 transactions in the month to be considered an active account

Voided Check or bank verification form:

  • Check must match the account number on the bank statement

Copy of Government issued photo ID

  • Must show clear photo and signature

Exceptions to our EASY requirements:

Self Employed

  • Must submit most recent 90 days of bank transactions

Retirement/Social Security/VA/Long Term Disability

  • Must to provide benefit letter to verify monthly income

Short Term Disability/Child Support/Unemployment/Alimony/Scholarships/Grants

  • Unfortunately at this time we are unable to accept these forms of income
  • Consider adding a co-applicant that is able to provide a qualifying source of income