Frequently asked questions

Adult Cred LLC is a New Jersey business offering purchase-specific installment agreements for eligible purchases from The Prop Stop. Before committing, review your written agreement, including the total cost, setup fee and payment amounts. You can independently check business registration through New Jersey’s official business records. If you have questions, contact us before proceeding. Never send passwords or card details by text.

Adult Cred is an independent installment program associated with The Prop Stop—not a nationwide financing brand. Applications are reviewed individually, and the program currently covers one eligible product per customer at a time.

Choose an eligible product at The Prop Stop and select ‘Apply for Adult Cred.’ Follow the application’s identity-verification instructions and complete the required fields and supporting documents. If verification is unavailable, contact support; it cannot be skipped.

No. Each application is reviewed individually. Approval is required before you can proceed, and approval alone does not activate a customer account.

You receive an agreement containing your purchase code. Sign the agreement, then use the code within 30 days and pay your 40% down payment. Your portal login is created after checkout and payment are verified. An expired purchase code requires a new application.

You pay 40% of your agreement total at checkout. The remaining 60% is divided into three installments. Your agreement total includes the product, applicable sales tax and setup fee, plus any shipping charge agreed before signing.

‘Buy now, pay later’ doesn’t always mean nothing upfront. Our plan requires 40% of your agreement total at checkout, with the remaining 60% spread across three installments. That is the payment structure of this program—not a promise of zero upfront cost.

There is 0% interest. A one-time introductory 3.5% setup fee applies to the first 100 eligible customers. It is calculated on the product price plus sales tax, excluding shipping, and included in your agreement total. Review your agreement for the fee that applies to your purchase.

Installments are spaced 30 days apart. The first is due 30 calendar days after the five-business-day fulfillment window ends; that window begins on the first business day after checkout. Your confirmed dates appear in your customer portal after your down payment is verified.

Contact support if you expect difficulty making a payment. A one-time $10 late fee may be applied after 90 days in default, where legally permitted. It is not automatically charged. Review your agreement for the terms that apply to your account.

Standard shipping is free, with an estimated 3–5 day shipping timeframe. Shipping time and the fulfillment window used to calculate your first installment date are separate.

Contact support before signing to confirm expedited shipping availability and a flat-rate quote. An agreed expedited shipping charge is included in your agreement total: 40% is paid upfront and the remaining 60% across your three installments. An estimate using free standard shipping does not include this optional charge. Do not add an unagreed shipping charge at checkout.

You can request a shipping change before signing. Changes after signing require an updated agreement before checkout so your payment amounts match the shipping option you choose.

Tap ‘Send a text’ to open your texting app and message (646) 566-1331, or email adultcredinfo@yahoo.com. This is text support, not live chat. Please don’t send passwords, card details or identity documents by text. Message and data rates may apply.