Welcome to PayCheck Direct!

Sign In or Create an Account

to see your price per payment AND to see all available products*

Frequently Asked Questions


Getting Started With PayCheck Direct

There are just a few simple rules! Please Sign In to see your eligibility requirements.

PayCheck Direct helps you buy what you want by giving you interest-free seller financing, based on your income. We are not a credit company.

Please Sign In to see your purchase limit.

Account sign up is easy. Go to our Sign In page and provide your email address, a password, your birth date and the last four digits of your Social Security Number to create an online account.

Who Can Order

Yes, you will need a PayCheck Direct account to place an order and to access the My Account section of our website, but you do not need an account in order to browse the PayCheck Direct website.

No. You just need to meet the eligibility requirements.

Yes. Your product total with PayCheck Direct must be at least $150.

Ordering and Order Tracking

When you buy through your shopping website powered by PayCheck Direct, you have easy, affordable access to thousands of name-brand products. Simply add items to your cart, confirm the payment information and check out. Once your transaction is complete, you'll receive an email confirming your order details.

If you have questions about the website or ordering, feel free to contact our Customer Service Center.

Just log in to your account. You can track your order by clicking on the Order History link on the top of any page of the website.

Depending on the size of your items and whether they are shipping from our warehouse or supplier, they may not arrive at the same time. Sometimes, multiple items are sold together in a package but do not ship at the same time - such as a TV and sound system, an iPod with speaker bar or a dining table and chairs.

Once the first item in your order ships, you will receive a shipping confirmation email with tracking numbers for the item(s) that have shipped. You can click on these tracking numbers to see the details of your shipment. Items that have not shipped yet will not have a tracking number.

Additionally, you can check the status of your order at any time in the Order History section in the My Account area of our website. Feel free to contact our Customer Service Center if you are unclear on the status of your shipments.

You may view the status of your order by signing into your account and clicking on the "Order Status" link at the top of the page. If we have your email address on file, we will send a confirmation email when your order is shipped. This email will include your tracking information. Please note that we only send confirmation emails for items shipped from our warehouse.

If it has been five (5) or more days since the delivery date, download an affidavit form to assist us with researching your package. It is also important to double check the area surrounding your residence including your porch or garage, ask your neighbors or building manager. Once you've filled the form out, email it back to us for faster service. We'll conduct an investigation and respond to you typically within 7-10 business days to let you know the result of our investigation. Click here to download an affidavit.

If you have been informed that we have not received your return products, please Click here to download an affidavit.

If you have a problem with your order, please contact our Customer Service Center immediately and we can try to stop the shipment from processing. If we can't stop the shipment, just follow the return directions inside the package. If you are at home when your order is delivered you can say "no" to the shipment and it will be sent back to PayCheck Direct. Please view our return policy for additional information.

Payments and Fees

No, PayCheck Direct orders don't need a down payment.

Your total purchase (the cost of the item or items plus any shipping charges and sales tax) is split into equal payments over 12 months. If you are paying weekly you will have 52 payments, if you are paying bi-weekly you will have 26 payments and if you are paying monthly you will have 12 payments. For example: an order totaling $2,000 (including shipping and tax) paid bi-weekly will be $76.92 per payment ($2,000/26). It's as simple as that!

Yes, we accept checks, money orders and credit or debit cards to pay off your total balance. Please contact our Customer Service Center to make a payment. Checks or money orders may be mailed to: PayCheck Direct 6250 Ridgewood Rd., St. Cloud, MN 56303.

There are no hidden fees, no interest and no finance charges for ordering through PayCheck Direct. Our shopping program lets you buy without extra charges. Plus, you'll get the peace of mind that your payments will always be made on time.

We understand that you may leave your job or membership organization before your PayCheck Direct purchase is paid off. There are a few options for paying off your purchase in the event you are no longer eligible for the PayCheck Direct program. Please contact our Customer Service Center to discuss payment options.

Checks or money orders may be mailed to:

PayCheck Direct
6250 Ridgewood Rd.
St. Cloud, MN 56303

Shipping

If you give us an email address, you'll get an order confirmation with your order details. When your order is shipped, you'll get an email with order tracking information.

While checking out, you will see the total shipping charge added to the price of your order. Your payment amount will be adjusted to include the shipping and sales tax associated with your order.

Yes, we will ship to an address outside the 48 contiguous states including AK, HI, US territories and APO/FPO address. We do add a surcharge of $12.99 per order to help cover the extra shipping costs. Note: We are not able to truck-ship outside of the 48 contiguous states.

Curbside delivery is for heavy or bulky items. This delivery is made by appointment only. Please be sure someone will be home to accept the delivery. If no one is home, we will not be able to leave your order. You will be called by the freight carrier to schedule your delivery. If you want to have these items delivered inside your home, you need to make arrangements with the carrier before the delivery. There is an extra fee for this service which can be arranged with the carrier.

We're sorry, but we are not able to give special instructions to a delivery company for you. For large or bulky items that are truck shipped, you will be contacted by the carrier to arrange a delivery time. You could discuss special instructions with the carrier at that time.

Returns and Exchanges

We want you to be happy. We will exchange your product or give you a refund for most items you return in new condition within 90 days after you bought it. For defective items or an item you received that was damaged, we pay the return shipping. Just call us for a return postage paid label.

If you have any problems with a product, please check the manufacturer's warranty.

Computers, camcorders, digital cameras, electronic game systems, tablets, e-readers, air conditioners, heaters, and generators must be returned within 30 days. Products sold in sets must be returned as a set; we will not accept partial sets. Music, movies, video games and software have to be returned unopened (factory sealed). Exchanges are for exact same item only.

Remember, PayCheck Direct never charges re-stocking fees!

To return an item, just follow the instructions on your order summary or on the invoice in the package, within 90 days. Tell us if you would like a refund or exchange. If you are exchanging an item, it may take 30 days for your new item to be delivered. For defective items or an item you received that was damaged, we pay the return shipping. Call our Customer Service Center right away to let us know.

For defective or damaged items, PayCheck Direct pays for return shipping. In all other cases, return shipping is the responsibility of the customer. However, there is no restocking fee or any other return fee. If you are exchanging an item, it may take 30 days for your new item to be delivered. Please contact our Customer Service Center at your earliest convenience if you need an item exchanged.

Yes! If you are missing parts, please contact our Customer Service Center and we will be happy to help.

No. If you decide to return an item from your order, your total balance will decrease, but your payment will stay the same. However, you will pay off the remaining balance sooner.

We will issue credit to your account for the purchase price, less shipping and handling. A refund check will be mailed if you have a credit balance on your account.

Online/Website Services

Click on "sign in" at the top of any page on the PayCheck Direct website and follow the easy sign-in directions. To sign out, just click the "sign out" link on the top of any page. In order to sign in again, you will need your PayCheck Direct Username and Password.

If you forget your Username or Password click the link called "Forgot Password" and follow the instructions. If you still have trouble, please contact our Customer Service Center for help.

To change your Username or Password, sign in to the My Account area using your current PayCheck Direct username and password. Once logged in, click on the Change Email Address or Change Password link on the My Account page. Then, you can update or change your PayCheck Direct information.

If you gave us your email address when you ordered, we will send you an email confirmation when your order ships. This email will contain your tracking information. You can also click on the Order History link on the top of any page of the website to see your orders and tracking information.

Warranties

Many of our products are covered by a warranty from the manufacturer. These warranties last for different periods of time, depending on the product. If your item has a manufacturer's warranty, the warranty information will come with your product, along with contact information for the manufacturer.

You can get this information in writing by telling us the product name and product code and mailing your request to: PayCheck Direct 6250 Ridgewood Road St. Cloud, MN 56303. Please include your contact information and we would be happy to send you the warranty information, if it is available.

Extended warranties are available on many of our products. You can protect your purchase and add to your peace of mind with a PayCheck Direct extended warranty. After the manufacturer's warranty expires, if your product fails for any covered reason, we cover parts and labor or will replace your product at no additional cost.

Extended warranties are not available for purchase in Puerto Rico, U.S. Virgin Islands, Guam, American Samoa, Federated States of Micronesia, Marshall Islands, Northern Mariana Islands or Palau.

Security and Privacy

Your privacy is very important to us and we work hard to protect it! We follow the rules set by the Direct Marketing Association's Privacy Promise to American Consumers. It is very simple. We will not share or sell your information to other marketers or companies if you ask us not to. If you ask us not to, we will not mail, call or email you marketing or advertising materials.

Click here to read our Terms and Conditions

Click here
to read our Privacy Policy

Military Lending Act

The Military Lending Act (MLA) provides credit account protections for service members placed on active duty and certain members of their family. The active duty service members and their families who are eligible for MLA protection are referred to as "covered borrowers."

View more MLA FAQs

Product Recalls

Information about product recalls and safety information can be found right here. Find your way back here by clicking on the customer service link on the top of any page on the website.

Contact Us

Our mailing address is:

PayCheck Direct
6250 Ridgewood Road
St. Cloud, MN 56303

The PayCheck Direct Customer Service Center is available at 1-866-441-9160 Monday through Friday from 8:00 a.m. to 8:00 p.m. Central Time.
Email us by using the Contact Us form online

Find manufacturer contact information here