Their website states that all customers are required to fill out a Credit Application, including original signature and credit card information, regardless of desired terms. After talking with my rep though, she said I could skip that step since I wasn’t interested in getting credit through them. If you don’t need terms, then your application will likely get processed and approved that same day. If you are interested in terms, you might need to wait 1-3 weeks for them to process your application including reference checks.