West Creek

West Creek

NO Credit Needed*

While offering a No Credit Needed* option, West Creek Financial does report to TransUnion which could improve your credit score. Offering flexible payment options and high approval rates, West Creek Financial offers superior service and an easy to use interface. West Creek Financial offers a low initial payment and an approval process that takes seconds!

*West Creek does perform a credit check on the customer as a part of their application process. "No Credit Needed" does not imply no credit check

Kornerstone

Kornerstone

NO Credit Needed

Kornerstone Credit is a new technology-driven consumer financing company launched in May 2018. Founded by 100+ team of leading industry veterans, technology experts, and financing professionals, Kornerstone Credit is one of the fastest growing companies in the lease-to-own industry.

We believe today's consumers, with changing purchasing habits and lifestyle, can no longer be defined by standard credit scores and financing options. Through our partnership with our retailers and by utilizing the latest technology and advanced data analytics, Kornerstone Credit offers a unique purchase option that fits individual needs.

Kornerstone Credit is technology-driven and backed by Inmost Partners who have successfully funded over $1B in specialty financing. Our experienced team strives to fulfill its mission of "providing families with alternative means to purchase life's essential items!"

We also offer buyout agreements and more information can be provided by contacting us at (888) 521- 5111

Requirements

  • 90 days of history with your current employer
  • Deposits totaling at least $1,000 per month
  • Current bank account that allows ACH drafts, been open for at least 90 days, with no NFSs, excessive overdrafts, or negative balances

Acima

Acima

NO Credit Needed

Acima empowers consumers through No Credit Needed financing. You'll love our fast approvals and simple application process. At Acima, we believe you're more than a three-digit score.

Founded in March 2013. They believe most of us are better than our credit scores. They're committed to seeing one's true potential by looking beyond a three-digit score. Their proprietary technology will issue an immediate approval upon the completion of a brief online or mobile application. Take the time to pay for what you buy today. Acima offers tailored payment schedules paired with early payoff incentives.

Requirements

  • US government-issued photo ID and SS# or ITIN#.
  • Three months of history with your current employer or current source of income.
  • Deposits totaling at least $1,000 per month into a checking account that has been open for 90 days or more.
  • No NSFs, excessive overdrafts, or negative balances on your current checking account.

Snap Finance

Snap Finance

NO Credit Needed

Snap Finance approves for up to $3000 without going through all the hassle of traditional credit card lenders. It's great for anybody with bad credit or no credit. The program works like rent-to-own: you're not charged for interest right away but rather month to month. The sooner you pay it off the lower the cost. Also if you pay it off within 100 days there is no interest charge or 100 Days Same as Cash.

Requirements

  • Active Checking Account (No Overdraft Fees in Past Month)
  • Earn $1000 a Month
  • $39 Initial Payment

Synchrony Home

Synchrony Home

Credit Based

Offer applies only to single-receipt qualifying purchases. No interest will be charged on the promo purchase if you pay the promo purchase amount in full within the promotional period. If you do not, interest will be charged on the promo purchase from the purchase date. Depending on purchase amount, promotion length, and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer any time. Only orders above $299 qualify for special financing offers. Tax and delivery do not apply towards the minimum purchase requirement.

Layaway

In addition to the financing options above, we offer a layaway program with 25% down. See store or call for more details.