Shop where you want, for what you want,
without using credit.

How it works

Introducing an alternative way to shop for the name-brand items you want at the stores you love – without paying cash or using credit. After completing an easy application process, you’ll be approved instantly to begin a lease-purchase agreement that will allow you to get your merchandise right away for a low initial payment, then make affordable payments as you go until you’re ready to own it. And it all starts with three simple steps:

Step 1
Visit your favorite store
Shop at thousands of furniture, appliance and electronics retailers nationwide.
Step 2
Apply in minutes
Apply in minutes and receive instant approval to start a lease-purchase agreement.
1. Verification of residence
2. Verification of income
3. Two personal references
Step 3
Take it home for a low initial payment
Choose a convenient payment plan, then pay online or in store while you enjoy your product.
• Get approved for up to $4,000 to begin a lease-purchase agreement, no credit needed.
• Shop your favorite furniture, appliance, electronics and other retailers.
• Take home name-brand products for a low initial payment.
• Own the item in 24 months or less with the option to own it early and save big.
• Build your credit with on-time payments. (Credit reporting not available in AZ or CA.)