The text plays on the repetition and contrast of the phrases 'No Problem' and 'Problem' in the context of credit and money. It highlights the irony that having no credit or bad credit is not a problem for the offer being advertised, but having no money is a problem. However, it does not exploit different meanings of a word or similar-sounding words for a humorous effect.
No Credit , Bad Credit ? No Problem . No Money ? Problem .