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How to buy on credit without a credit card
Sign a reverse layaway (tm) agreement.
This involves a commitment on your end to make payments as agreed upon in a contract. Additionally, these payments are usually guaranteed by some form of collateral, such as pre-written checks.
This is how you buy on credit using the reverse layaway (tm) process : Find a retailer or service provider that offers the reverse layaway (tm) program. Complete the retailer's reverse layaway (tm) form.