Your personal credit account to shop.
Apply and get an instant decision.

$99 yearly membership

$100 minimum purchase

$18,000 of unsecured Credit

shopping has never
been easier.

simple credit application

apply and get an instant decision

CreditFacts your one stop shop

CreditFacts is a unique program that is designed to assist people that are starting out or starting over. Simply enroll in your preferred membership and you can shop whenever you like, up to your available credit limit. Search through hundreds of top brand quality products all with low monthly payment and terms that make sense. So why wait? Join the many members today who are getting what they need while getting the credit they deserve.



Membership $249.99

CreditFacts Plus Membership

Membership $249.99

Membership $179.99

CreditFacts Membership

Membership $179.99

CreditFacts accounts reporting to all 6 MAJOR CREDIT BUREAUS

Transparent reporting, it’s what you expect and it’s what we provide


Purchasing Power

Get everything your business needs to get going. Shop through hundreds of products all with low monthly payments.

Generous Credit Limit

With two plans to choose from and terms that make sense it’s no wonder why so many people are excited to apply.

Data Reporting

We report each account to the major business credit bureaus. Everything you purchase and pay down is reported.

"Applying was easy and I was able to get the web camera I needed. The CreditFacts account really made shopping so much easier."

– Andrew Dawkins, CreditFacts Member


Sign Up for CreditFacts Today.

Sign up online or call 1-877-379-3001.


Not sure where to start? We'll help.

Need to speak with one of our representatives?


By electing to receive online e-Statements, you agree to receive and access your monthly periodic billing statement electronically. You will receive an email from us notifying you when your current RAI Financial Account statement is available. To view your billing statement you must click on the link in the email notification or sign in at to access, view or print your statement. We reserve the right to send you paper statements at our discretion, even if you have given us consent to provide your statements electronically. If the email address you have provided to us is not deliverable, you will receive paper statements until the time you provide us a new valid email address. Once you have provided a new email address, you will begin to receive e-Statements.

You will continue to receive e-Statements other than in the two situations described above. If you wish to change your preference to not receive e-Statements and instead to receive paper statements, you must sign in at to change your preference from e-Statement delivery to paper statements. You may opt to change your preference at any time.

Communications may be sent to your email address provided to us by you. Communications may include your name and information about your Credit Account, including your balance or the due date. Electronic communications may be disclosed to any party with access to your Credit Account or email account. All communications in either electronic or paper format from us to you will be considered “in writing.”

By accepting e-statements, you agree to:
• Receive this information electronically, access and retain any disclosures received. To do this you will need a desktop or laptop personal computer with a minimum web browser that supports 128 bit encryption.
• Have ability to receive and read email.
• Receive statements electronically and confirm that you will download or print the statements for your records, acknowledge that you can access information that is provided electronically at this website.
• Acknowledge that you are providing your consent to receive electronic communications pursuant to the Electronic Signatures in Global and National Commerce Act and our intent that this statute applies to the fullest extent possible.

Important Notice: You understand that the information you have elected to receive is confidential in nature. We are not responsible for unauthorized access by third parties to information and/or communications provided electronically or any damages caused by unauthorized access. We are not responsible for delays in the transmission of any information. We are not responsible for any computer virus or related problems.

If your email address changes, you are required to notify us. You have the option to receive any information provided electronically in paper form. To receive specific information in paper form, or to notify us of a change in your email address, contact us at You may also write us at RAI FINANCIAL LLC, 1340 Teaneck Road, Floor 2, Teaneck, NJ 07666.

Additional Mobile Technology Requirements: If you are accessing our site and the disclosures electronically via a mobile device (such as a smartphone, tablet, and the like), in addition to the above requirements you must make sure that you have software on your mobile device that allows you to print and save the statements presented to you. These applications can be found for most mobile devices in the device’s respective “app store.” If you do not have these capabilities on your mobile device, please access our site through a device that provides these capabilities.

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