Give yourself some credit

You’re more than a three-digit score.

We’ll help you get what you need today. And you can pay over time – regardless of your credit history. Apply online, on your mobile device, or in the showroom of your favorite store. It’s easy to apply.

You apply, get approved, then you shop. It’s that simple.

Eligibility requirements

We don't ask a lot. Our application is simple and easy to complete.

Income History

Do you have a three-month history with your current employer or source of income?

Checking Account

Have you had a checking account for at least 90 days?

Monthly Income

Do you deposit $1,000 or more into your checking account each month?

Checking Activity

Is your checking account free from NSFs, excessive overdrafts, and negative balances?

Flexible payment options

You can choose from weekly, bi-weekly, twice monthly, or monthly lease renewal payment schedules designed to align with your paydays. Whatever works best for you.

Pay Over 12 Months

Choose to make all lease renewal payments to align with your payday and own the property in 12 months.

90-Day Purchase Option

Save big by paying off in under 90 days.

Early Purchase Discount

Payoff after 90 days and save 25% or more on all outstanding payments.

We'll Report Your Lease Activity

We'll provide your lease activity so your good habits are reported to credit bureaus.

No Credit Needed

While many traditional lenders may not take a chance on you – we will. Consider applying if you have low or no credit.

Credit Reporting

Partnering with credit bureaus, including Experian, means we can report your payment history directly to these bureaus.

Customer Reviews

We are committed to enriching the lives of our customers and merchants.