Pre-Qualification is a fast and easy way to see if you qualify for one of My Bob's Cards. By submitting just a few pieces of information, you will receive a decision instantly without impacting your credit score.

No. Checking to see if you are pre-qualified is considered a "soft pull" and does not impact your credit score. However, if you are pre-qualified for an account and you decide to move forward with the full credit application, a hard credit inquiry will be performed, which can impact your credit score.

Sometimes this happens, and a little more information could make a difference. Pre-qualification uses limited information to pre-qualify you for credit and lets you know roughly how much you might be able to borrow, using basic credit information. Our lenders will use additional financial information provided in your application and pull your credit report to make a credit decision.

All of your customer information is sent directly to our financial lenders where it is used and protected according to federal privacy laws. To view our full privacy policy, click here.

Special financing gives you the ability to buy now (today) and pay later over time (or make convenient monthly payments). We have several different types of special financing plans available to learn. To learn more about our special financing options, Click here.

My Bob's Card issued by one of our lenders is a revolving credit account that can be used for purchases as long as the account remains open and there is sufficient amount of available credit to cover your purchase. After a purchase is charged to the account your available credit line decreases by the charged amount. As you pay down the balance, your available credit line increases, up to your approved credit limit.

No. There is no down payment required to qualify for special financing.

An account with a $0 balance will remain open for 18 months. After approximately 18 months of inactivity, our lenders may close the account. You may reapply for a new account if your account is closed.

You will receive your My Bob's Card within 7-10 days after the application is approved. You can use your account immediately either online or in-store, by saving the account number that is provided to you upon application approval and using it during checkout.

Unfortunately, the program does not allow us to accept or process your payment. However, you have a few options for submitting payments which are listed on your monthly bill.

Yes, you may pay your outstanding balance in full at any time.

No worries! We have a No Credit Needed Payment Option, which includes lease-to-own options through other providers. click here to learn more.

You can use Affirm to make a purchase at Bob's store or mybobs.com.

Using Affirm at a store or on mybobs.com:

• Fill your cart, then select Affirm at checkout or ask your Guest Experience Specialist to select Affirm at checkout.
• Enter your mobile number, then select Continue.
• If it's your first time applying, you'll be prompted to create an account.
• Enter the 4-digit verification code texted to your phone.
• See whether you're approved for your purchase.
• You may be asked to make a down payment at the time of purchase.
• Repayment of your Affirm loan (exclusive of any down payment) begins when your item is delivered.

Multiple purchases at the same time:

There are no limits on how many purchases you can have at one time. But if you've recently opened credit accounts, we'll consider that when reviewing your application. We also consider things like your payment history, how much credit you've used, and how long you've had credit.

For more information about Affirm, click here.

Affirm is a financing option to pay for your Bob's purchase over time in 4 interest free payments every two weeks.

Affirm strives to keep you out of unhealthy debt by facilitating fair, transparent credit so you can pay over time for the things you love. With Affirm, you'll never owe more than what you agree to up front. Instead, you'll always get a flexible, transparent, and convenient way to pay over time.

Affirm doesn't charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.

Creating an Affirm account, checking your purchasing power, and taking out a Pay-in-4 interest free loan at Bob's will not affect your credit score. At this time, only some Affirm loan types are eligible to be reported to Experian.

These things won't affect your credit score:

• Creating an Affirm account
• Checking your purchasing power
• 4 interest-free payment plans
• Pay now transactions

Notes: For more information on how your loan and payment history will show on your credit report, click here.

If you have questions about how the information Affirm shares is reflected and interpreted on your credit report, contact Experian directly at 1 (888) 397-3742.

Acima & American First Finance are alternative ways to shop at Bob's without paying cash or relying on credit. After completing an easy application process, you'll receive an instant approval decision. If approved, you can select the merchandise you want and begin a lease agreement that will allow you to get your merchandise for a low initial payment, then make rental payments until you obtain ownership.

Yes! After your application is approved, you'll receive a Lease-to-own approval number. At checkout, click the "Pay with Acima" button and follow the steps to review and sign your lease agreement to place your order.

Need help with your lease-to-own order? Shop with an expert here.

You can own your merchandise after making all lease renewal payments. If you're ready sooner, you can purchase early as described in the agreement and save over the total cost of the lease. If you wish to stop making renewal payments before obtaining ownership, you can return your merchandise.

For more information about Bob's return policies, visit our Terms of Sale.

You can use Klarna to make a purchase at Bob's store or mybobs.com.

Using Klarna at mybobs.com:
· Fill your cart, then select Klarna in checkout.
· If it's your first time applying, you'll be prompted to create an account after providing your phone number.
· Enter the 6-digit verification code texted to your phone.
· See whether you're approved for your purchase.
· Choose how to pay: either pay in full or 4 interest-free payments. CA residents: Loans made or arranged pursuant to a California Financing Law license.
· Repayment of your Klarna loan (exclusive of any down payment) begins when your item is delivered.

Using Klarna for an in-store purchase:
· Tell your Guest Experience Specialist you’d like to use Klarna as a payment option for your purchase.
· They will direct you to download the Klarna app and apply for an account with the payment method of your choosing within the app.
· If approved, you’ll be provided with a Klarna credit card number to give to the Guest Experience Specialist to complete your purchase.

Klarna is an option to pay for your Bob’s purchase in one of two ways:

· Split your purchase into 4 interest-free payments, paid automatically every 2 weeks. CA residents: Loans made or arranged pursuant to a California Financing Law license.
· In full using Klarna as the payment method vs entering a credit or debt card.

Klarna strives to make shopping effortless, safe and fun. For more information about Klarna, click here.

Downloading the Klarna app will not affect your credit score. Klarna performs soft credit checks, do not affect your credit score, and will not be visible to other lenders.

These things won't affect your credit score:
· Use Pay in 4
· Use Pay in full
· Apply for a Klarna Card

If you have questions regarding your credit score, or the data provided as part of a credit check we advise you to reach out to Transunion directly.

It can take up to 14 days for refunds to process and the balance of your connected payment method to update.

o The refund process starts as soon as the return is received with confirmation from the store.
o You’ll receive an email and an app notification with updated refund information. Any remaining payments will be canceled.