Prior to having a truck account, independent distributor Dan Jenkins Jr. says customers have the option of putting products on layaway or paying in full with cash or credit card. 

This is due to the fact Dan Jenkins Sales Company does not offer separate financing; Dan and his father, Dan Jenkins Sr., front all customer accounts themselves. 

"We don't charge any type of interest on any of the accounts," Jenkins Jr. says. "We'll maybe try to offset the price a little bit, especially if somebody is a credit card customer. If someone wants to pay cash for something straight out, I will offer them a discount for paying straight out, instead of making payments on it."