Eliminating Objections
Customer says "I don't have the best credit"
Credit builds credit
Many guest have found it's only a few points, or none at all
You only know unless you try (build confidence)
no credit needed
Benefit of applying
Quick and easy, 3-12 questions
Instant decision
More buying power
Build sale- 3/3, commission, and day's plan
Our district average lease this month
$1063
3 Ways to pay off a lease
90 days at 10%, early buyout, 12m
Zales card payments at Banter
Yes a guest can make with us!
I never get approved for things like this
Waterfall- 3 options
You only know if you try! Few questions
(Build confidence)
I have Chime/CashApp/Venmo/Dave
Do you have another account?
Apply and let's see! We have more options if anything!
% of guests that would not have purchased without leasing
86%
Ways to pay PLCC
In person, online, by app, mail
How soon I can pay off Banter card
Same day!
I don't like owing people, I like cash
Save the cash, pay your way, at your pace!
Automatic payments Progessive, or in person cash payments for PLCC. Worry free!
Pay off today an d get cardholder discounts!
I don't know my routing/account number
I can google the routing!
Online banking, check books, call your bank, direct deposit, someone at home that can obtain info?, bank statement
Affirm/PLCC
Cardholders spend ___x more that non-cardholders
2.4x
What is the 2% transaction fee on $300 purchase
PLCC deferred int plans, $6
Progressive leasing payments start at
$13/week
I don't shop here often
It's even for today!
Coupons for your next visit
Great way to start shopping more, with savings!
What are PLCC questions
SSN
Income
phone number
(Prequal. leasing)
Average PLCC Sale
$311
Benefits of using payment estimators
Transparency
Calculate best plan for the guest
Explain how options work, for visual guests
Frequency of Progressive payments
weekly, biweekly, monthly, even if it differs from pay date
I'm buying a house
CONGRATS!
Where are you in the process? If your approved, you should apply!
No credit needed options
Customer is not instantly approved. here's what we say next
This is saying the best option may be... (waterfall)
Now this is our 2 step process and next up is our ___ payment option
No worries! You get final decision in the mail, let's see with this next option
Store with 33% Leasing mix, $14k in Leasing $
Store 487 MTD!
Split Tender limitation
Cant be PLCC (can by Affirm)
Up to lease approval amount
Max out lease approval 1st
Plaid with Progressive
Text/email verification after a lease denial! Get more guests approved