Flexible Financing

On purchases of $25 or more with your Ritani Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 months. Minimum monthly payments required.

9.99% APR for any purchase using your Ritani Credit Card. Fixed monthly payments required for 36 months.

9.99% APR for any purchase using your Ritani Credit Card. Fixed monthly payments required for 60 months.

· Pay over time with convenient monthly payments

· Simple application process

· A dedicated credit card for Ritani purchases

· Card arrives within 7-10 days

Disclosure:

*Qualifying purchase amount must be on one receipt. A Promo Fee does not apply to this offer. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 07/16/2024: Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

**Qualifying purchase amount must be on one receipt. A Promo Fee does not apply to this offer. Interest will be charged on the promo purchase from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 3.2262% for 36 months, 2.1242% for 60 months of initial total promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. Regular account terms apply to non-promo purchases. For New Accounts as of 07/16/2024: Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.