In-House Financing – Frequently Asked Questions (FAQ)

💳 In-House Financing – Frequently Asked Questions (FAQ)
Le’Coeur Cosmetics
1. What are the eligibility requirements to qualify for financing?
To qualify, customers must:
  • Be at least 18 years old
  • Have a valid Social Security Number (SSN)
  • Provide a state-issued identification (such as a driver’s license or ID card)
2. What is in-house financing?
In-house financing allows you to purchase Le’Coeur Cosmetics products now and pay over time through flexible payment plans offered directly by us. We currently offer:
  • A revolving line of credit for ongoing or multiple purchases
  • Installment loans for bundled or larger product orders
3. What types of products can I finance?
You can finance a wide range of Le’Coeur Cosmetics products, including:
  • Jewelry
  • Beauty and skincare items
  • Fragrances
  • Literature and educational materials
  • Curated product bundles or packages
4. What’s the difference between a revolving line of credit and an installment loan?
  • Revolving Line of Credit: You’re approved for a set credit limit and can make purchases as needed. Monthly payments are based on your current balance.
  • Installment Loan: A one-time loan for a specific product or bundle, repaid in equal payments over a set term (e.g., 3, 6, or 12 months).
5. Is a credit check required?
Yes. We require a hard credit check as part of the application process.
There is no minimum credit score required, but active bankruptcy is the only automatic disqualifier.
6. Is a down payment required?
Yes. A down payment between 10% and 50% is typically required, depending on the purchase amount and financing terms.
7. What interest rate will I pay?
We do not offer 0% interest.
Interest rates are based on:
  • Your credit profile
  • State-specific lending laws
  • The type of loan requested (revolving line of credit or installment loan)
    Your rate and terms will be clearly presented before you agree to financing.
8. Can I pay off my balance early?
Yes! You can pay off your loan or revolving balance early with no prepayment penalties.
9. How do I apply for financing?
Since Le’Coeur Cosmetics does not have a physical retail location currently, you can apply in one of the following ways:
  • Online via our secure application form
  • Over the phone with a representative who will guide you through the process
  • Request that a representative email you the application to complete and return
10. What payment methods do you accept?
We accept payments by:
  • Money order
  • Credit card
  • Debit card
    We do not accept cash payments.
11. What happens if I miss a payment?
If a payment is 30 days or more past due, it may be reported to the credit bureaus and could negatively affect your credit score.
Late fees may also apply, and it could affect your eligibility for future financing. If you're having trouble making a payment, please contact us immediately so we can assist.
12. Can I use both financing options at the same time?
Yes. If approved, you can use a revolving credit line for future purchases and an installment loan for a larger product bundle.
13. Who can I contact for financing questions or to start the process?
Our team is happy to help:
📧 finance@lecoeurcosmetics.com
📞 (855)532-6387
A representative will guide you through the process or send you the application directly via email.
14. What is your shipping policy?
We process and ship orders promptly after purchase confirmation.
  • Shipping times vary based on your location and chosen shipping method.
  • Shipping costs will be calculated at checkout or communicated before finalizing your order.
  • We provide tracking information so you can follow your package.
15. What is your return policy?
  • Returns are accepted in accordance with our detailed return policy.
  • Please visit our website at www.lecoeurcosmetics.com/returns to review the full return policy and instructions.
  • Products generally must be unused, unopened, and in original packaging to qualify for returns.
  • To initiate a return or for any questions, you can also contact us at finance@lecoeurcosmetics.com or (855) 532-6387.
  • Financing payments continue during the return process; please contact us if you have questions about how a return affects your financing.
16. Is there an annual fee for the financing?
Currently, no annual fee applies to our financing options. However, this may change in the future, and any such updates will be clearly communicated to you before they take effect.
17. What makes your financing program different?
We are a relationship-driven company dedicated to providing personalized service and support throughout your financing experience. Our team is here to help you every step of the way, ensuring your satisfaction and confidence in your purchase.
18. How are credit line increases handled?
Credit line increases are granted:
  • Upon request by the customer
  • Based on the purpose of the increase
  • Considering your current payment history and relationship with us
  • Some increases may occur automatically based on account activity and history