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  • You must be at least 18 years of age to apply.
  • RC Willey accounts are only available in the western United States excluding Alaska and Hawaii.
  • Federal law requires us to obtain, verify and record information that identifies each person who opens an account. When you apply for an account we ask for your full legal name, address, social security number, date of birth, driver's license number or state issued identification number, and all other information that will allow us to identify you.
  • All information requested is required to complete your application except the optional authorized account user selection.

Applicant Identification

Enter Your Email
Enter your Social Security Number
Select Identification Type
Enter your ID Number

Name

Please enter your first name.
Please enter your last name.

Contact Info

Please fill in one phone

Billing Address

Physical Address

Subscriptions

Residence Information

Please list time in current residence
List whether you rent or own
Please enter your monthly payment

Previous Address

Date of Birth

Enter your Date of Birth (mm/dd/yyyy)

Employment

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Max 23 Characters
Please enter your Employers Name
Please enter your Occupation
Please enter your monthly income
Total Household Monthly Income - Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation. Student Loans and Grants do not qualify as income.

Preferred Monthly Payment Date

Preferred Payment Day
Do you wish to enroll in e-statement billing?
creditApplication.eStatement

Set up your RC Willey Account
This will be your login information after completing the application along with

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Passwords do not match
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8 or more Uppercase Lowercase Digit Symbol Password Matches

Important Information about RC Willey Credit Accounts

Interest Rates and Interest Charges
Annual Percentage Rate(APR) for Purchases 21% Fixed
APR for Balance Transfers 21% Fixed
Penalty APR and When it Applies 24% This APR may be applied to your account if you fail to pay at least the minimum payment due for any billing cycle within two billing cycles of when that minimum payment first became due.

How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction Fees None
Penalty Fees
  • Late Payment
  • Over Limit
  • Returned Payment
  • Up to $25
  • None
  • Up to $25
Other Fees
  • Statement Handling Fee
  • $1 for Paper Statements
  • None for Online Statements

How We Will Calculate Your Balance: We use the method called "average daily balance" (including new purchases).

Click Here to view and/or print complete Disclosures and Cardholder Agreements
By clicking "I/We Agree & Apply" below, you are representing and warranting RC Willey Financial Services that you are applying for an RC Willey Revolving Charge account and are providing 'written instructions' to RC Willey Financial Services to obtain information from your personal credit profile or other information from Experian Information Solutions, Inc. or Equifax Information Services, LLC. You represent and warrant to RC Willey Financial Services that the information you have provided in making this application for credit is complete and correct and you have read and agreed to the terms and conditions of the Federal Truth in Lending Disclosure Statement for RC Willey Revolving Charge Accounts and the RC Willey Revolving Charge Security Agreement Terms and Conditions (the "Disclosures and Cardholder Agreements") that will govern the account and is hereby incorporated for reference. You also represent and warrant that you have received the notice of Your Billing Rights under the Fair Credit Billing Act. If you are found to be ineligible for an RC Willey credit account for any reason, you authorize RC Willey to share the information provided in this application with West Creek Financial, Inc. ("dba as Koalafi") so you may be considered for lease-to-own products and services. You authorize West Creek Financial (dba as "Koalafi") to contact you directly by telephone or text message (including the use of an automated telephone dialing system), at the telephone number provided. You agree and acknowledge your application for credit is hereby electronically signed.
Please check that you have read the above Disclosure
Sorry, you still need to confirm your email. We sent a link in a email to. Please click on the link in your email to be able to continue.

Please wait while we run the application process. We should be able to determine whether you are approved within 1-2 minutes...

Our records indicate you have, or may have had, a current or previous credit account issued by RC Willey Financial Services. Please call 1-800-811-0702, option 0, to speak with a credit representative for instructions.

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