	APPLY ONLINE	REQUEST MORE CREDIT	PAP AUTHORIZATION	BECOME A MERCHANT	HELP

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Do I Qualify?

What information will I need to apply?

What is the Application Process

What is a Credit Report

Our Terms and Conditions

Privacy and Security

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EQUINOX INSTANT CREDIT

Applying for credit online just got easier

Instant Credit
Annual Purchase Rate	from 9.5%
Annual Fee	None
Credit Limit	Up to $3000

Equinox Instant Credit is a service to allow online merchants to extend instant credit to facilitate online purchases. Complete the simple online registration for instant access to credit up to $3000.

Have an existing account in good standing? Need more credit? Then apply for a credit increase. Approvals in 1 to 5 business days.

Understanding Credit

Credit is a convenient way make purchases when cash is not readily available. It is important to manage your credit. This includes managing how much spend on credit, how quickly you pay it back and the types of items you purchase with credit. The following are a few important things to concider when using credit:

When paying bills, make sure you at least pay the minimum payment on your statements.
Budget your credit, it is easy to loose track of your credit purchases and get a surprise at the end of the month
Plan to pay off your credit over a certain time period.
Watch for warning signs:
- Unable to make minimum payments
- Consistently late making payments
- Borrowing money to pay of debt
- Needing to work overtime to pay off debt
- Dippiing into savings to pay off debt

Fraud Prevention

Phishing
"phishing" is an Internet scam in the form of an email or popup box. The emails and popups link to web sites that look like legitimate businesses and ask you to provide or confirm personal, finacial or password information

At Equinox we use the latest technology to protect your personal information. Yet there are individuals that use fraudulant emails to "phish" for your account and password information.

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