McCoy's Credit

Credit Programs that are Right for You

At McCoy's, we serve the everyday handyman and the building professional with equal passion. We know how hard it can be to get everything you need at one time. That's why we offer credit programs suited to your individual needs.


Commercial Credit


McCoy's offers two types of Commercial Credit to fit your business needs; A Net 10 Credit Account, and a Revolving Credit Account. You can apply online, or you can apply in person at your nearest McCoy's location.

McCoy's Commercial Credit

McCoy's Net 10 Credit

For our professional contractor and remodeler customers, McCoy's offers individualized lines of credit to suit the growing needs of your business. Features of our in-house, Net 10 credit include:

  • Personalized account service provided at any McCoy's Building Supply
  • Detailed billing that allows tracking of purchases by project
  • Payments that can be made at any McCoy's Building Supply, or online through My McCoy's Online Services.

Apply Online Now

Apply by Fax or In-store

  • Download and print the form. Then fill out, sign and fax to 512-805-6759. You can also return the completed signed copy to your nearest McCoy's location.

 

McCoy's Revolving Credit

For our repair/remodel customers, McCoy's offers a Revolving Credit Account. This functions just like a regular credit card. Features of the Revolving Credit include:

  • Flexible minimum payment option
  • Unpaid balance is carried over from month to month
  • Credit line typically runs from $1,000 to $10,000
  • No service charge if paid in full by the 15th of the following month
  • Payments that can be made at any McCoy's Building Supply, or online through My McCoy's Online Services.
  • Competitive rates

Apply Online Now

Apply by Fax or In-store

  • Download and print the form. Then fill out, sign and fax to 512-805-6759. You can also return the completed signed copy to your nearest McCoy's location.




Consumer Credit


The McCoy's Credit Card

At McCoy's we know that owning a home can often be costly and time consuming. We want you to know that no matter what your problem, broken water heater or inadequate insulation in the attic, we've got the product and the know-how you need to get your home in order.

And, to help you with those unexpected home improvement projects, McCoy’s and GE Capital Retail Bank are proud to offer the McCoy Credit Card.

Already a McCoy Credit Card holder? Click Here to access your account information or make a payment to GE Capital Retail Bank online.

McCoy's Consumer Credit Card

The McCoy Card Program offers benefits such as:

  • †10% off your first McCoy Card purchase, up to $50†
  • A 3% rebate on all your purchases with McCoy Credit Card Building Bucks program**
  • Comfortable Financing
  • Increased Buying Power
  • Fast, Easy Credit Approval
  • Honored at all McCoy's Building Supply locations

Quick Tip: For security purposes, online applications may take up to two weeks for processing. To start building today, apply for your new McCoy Credit Card at your local McCoy’s store. We’ll be able to verify your identity in person, so we can set up your account and get you back to your building project the same day.


Save 10% Off Your First Purchase

As a thank you for joining the McCoy Card Program, we’d like to give you 10% off your first purchase on your McCoy Credit Card ($50 maximum discount). So stop by your local McCoy’s to apply for your McCoy Credit Card and let us help you with all your home improvement needs. With the McCoy Credit Card, you can take the worry out of financing your next big project.

For more information or to apply for a McCoy Credit Card, please contact your nearest McCoy's store location, or to apply online please click here.


Earn 3% Back

With Building Bucks**

McCoy's Building Bucks

At McCoy's we like to reward our loyal customers and that is why we're excited to bring you the McCoy Credit Card Building Bucks program. This rewards program earns you Building Buck points every time you make a purchase on your McCoy Credit Card. You will earn one Building Buck for each dollar charged on your McCoy Credit Card.

When you accumulate 500 Building Bucks, a $15 coupon is printed on your McCoy Card statement. That’s like getting a 3% rebate on all your McCoy Credit Card purchases!

You can use the certificate to help fund your next building project. To allow easy tracking, your point totals will appear on your monthly statement.

No Interest if Paid in Full within 6 Months.*

On purchases of $399 or more with your McCoy’s consumer credit card. Interest will be charged to your account from the purchase date if the purchase is not paid in full with 6 months. Minimum Monthly Payments required. Discounts, Rebates, and/or Coupons applied at time of purchase will reduce your total purchase amount.

Already a McCoy Credit Card Holder?

Click here to access your account information or make a payment to GE Capital Retail Bank online. Still have questions about your account? Contact GE Capital Retail Bank's Customer Service department toll-free at (800) 250-5411.

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