Enter the customer's current street address. Verify the current address is the same as what is on the Customer Bank Form. If not, do not accept the sale. Do not enter a P.O. Box. Those are not acceptable.

Enter the customer's current city state zip in each of the boxes. Veify this matches what is on the Customer Bank Form and where they currently reside.

Enter the customer's home phone number with area code. Format it as XXX-XXX-XXXX

Enter the customer's cell number with area code.Format it as XXX-XXX-XXXX

Enter the customer's e-mail address. The customer will receive a copy of this agreement in their e-mail. Please make sure you tell the customer to be watchful for it. Remind them their e-mail address will not be used by or given to anyone outside this sale for any purpose. If the customer doesn't have an e-mail, use yours.

Enter the customer's drivers license. The drivers license must be issued from the state they reside in.

In addition, the drivers license must be current and valid.

Enter the customer's employer full name.

Enter their employer's phone number with area code. Format it as XXX-XXX-XXXX

Enter a contact name at the customer's employer that can verify employment.

Monthly Earnings. Use the Payment Calculator to determine required income to guarantee payment. The income documents must be no older than 30 days, unless self employed.

From employment: Use gross earnings amount as reported on their pay stub or bank statement. Reduce this by any amounts other than taxes, such as support, alimony, or garnishments.
Hourly Calculate by hourly rate times the lesser of actual hours reported or 160 hours for a month.
Salary Use an amount that represents a single month. Do not count overtime, bonuses, vacation time, or sick time.
Must have: Hourly Rate, Pay Period, Hours worked, Issue date, Employee & Employer name
Pay Stub Samples   Use income qualifier.

Entitlements: Retirement,SSI, unemployment, or disability may be included provided it is 3rd party documented and shows it will continue to be payed through the term of the transaction or longer. Entitlements do not qualify for fasttrack.

Spouse Spouse's income may be included provided living together in the same home. A spouse will have the same address on their license and last name or a copy of the marriage certificate in lieu of name requirement.

Self Employment Use 1040 line 37 divided by 12 as monthly amount. Include a current business license. You may use http://www.veri-tax.com as a source to get prior year returns for business customers. Specifically, IRS Form 4506-T.

Enter the check number for the down payment. This must be the actual check number as it's printed on the check. The remaining check numbers will be filled in automatically in sequential order. They can be changed if need be.

Enter the amount of the down payment or have the Payment Calculator assign it. This will include the customer ARC fee and be the first debit processed.

This payment and the payment plan below must represent the FULL purchase price. There can not be any other pre-payments or arrangements for payment beyond the scope of this agreement. Those will invalidate any approval given.

We recommend using the GCS payment calculator to determine the payment schedule for this sale.

The customer ARC fee is pre-listed and should not be changed.

Enter the name of the bank as it's listed on the Customer Bank Form. The Customer Bank Form replaces checks for entering account/bank informtion.

Enter the ACH routing number from the Bank Form.

Typically the customer will bring the form to their bank and the banker will fill it in. As an option it can be faxed from your store to the bank. You may even call in and ask for the information. The bank will likely require the customer to ok the disclosure over the phone so make sure they are there if you call their bank.

Enter the bank account number from the Bank Form.

Typically the customer will bring the form to their bank and the banker will fill it in. As an option it can be faxed from your store to the bank. You may even call in and ask for the information. The bank will likely require the customer to ok the disclosure over the phone so make sure they are there if you call their bank.

Enter the month for the next debit date in two digit format.

It will be 01->09 or 10->12 This will be a future date.

Enter the day for the next debit date in 2 digit format.

It will be 01->09 or 10->31 This will be a future date.

Enter the Year for the next debit date in 4 digit format.

This will be a future date.

The reference numbers are automatically assigned and will appear on the customer's banks statement in place of the usual check number

Enter the amount of the debit that matches the date agreed to.

Click 'income verified' only if you have examined documents verifying the amount of customer income to be what is listed in the 'Monthly Earnings' space. This certifies you have retained these documents in the event they are requested by GCS. The types of documents acceptable are described by clicking the mouse inside the 'Monthly Earnings' space. These are required in order to maintain the status of the authorization given by GCS.

This indicates if the income has been verified by the store through documents supplied by the customer.

Press Submit one time only. It can take a full minute to process.

This is your customer ARC fee. It will be added to the down payment automatically.

Select the number of checks or debits the customer will be making. Next, select if it's weekly, bi-weekly, or monthly payments. (Monthy is 4 weeks)

The amount here is the total price the customer will be paying which included the Customer ARC fee & Payment Plan cost if selected

Payment Calculator. An exclusive GCS tool that enables you to determine an accurate payment plan which includes the customer ARC fee and optional cost of guarantee service. In addition, it fills your payment plan automatically.

The optional 'Plan Fee' enables you to add the guarantee fees charged by GCS to the total price. The resultant deposit to the store will be approximately the full sale amount. The rate applied is slightly higher than the guarantee rate to result in a net deposit to you of the sale amount.

Depending on your state or locality, this may be construed as interest or other fee and be subject to specific regulations. Please check with the appropriate governing agency for compliance requirements before using.

The down payment includes the ARC 90 fee and can be adjusted from the default amount of 20% + arc fee. The remaining payments will be adjusted.

For FastTrack the maximum is 90 days with weekly unaltered payments determined by the calculator. For a normal ARC sale you may go out to a full 180 days and adjust any of the payment amounts or dates.

The 'income required' listed is based on the time period of payments and the total sale amount. This amount will fluctuate depending on the time and amount of sale.

Turns on/off help bubbles that display next to each item, like this one.

Switches mode of operation between Live and Demo modes. In Demo, transactions of any amount are not processed.