Apply Now For an Instant Decision

If you have a brick-and-mortar bank account (online banking is not accepted) that’s at least 4 months old, and you have a minimum monthly income of $1,000 and a valid ID, you can pre-qualify for lease-to-own financing. For as little as $0 or $49 down (plus taxes) upfront, you can use your income as credit to finance Appliances, Mattresses, or Furniture. Payments will withdraw from your account on payday. You can save even more if you pay off early (90-150 days).

Pick anyone of our affiliate financing companies below and apply. 

Koalafi Lease-To-Own

Koalafi offers lease-to-own agreements that allow you to purchase home appliances, consumer electronics, and furniture by making monthly payments. You get to spread your payments over several months to make the payments compatible with your budget. We have financed many of our customers through Koalafi. It's fast and easy. Get approved the same day and take your item home.

Kornerstone Financing

If you are looking to build your credit try Kornerstone financing. This company will report your good payment behavior to the relevant credit institution to help you build your credit. Kornerstone also looks for ways to make financing a lot more affordable for you and your family. Finance your appliances, furniture, or mattress through this company and see what options are available for you. 

Progressive Lease-To-Own

Progressive is recommended if your credit is not that great. Progressive's underwriting process allows the company to consider everyone with less-than-perfect credit. They look at many other data points, including income and banking history. Progressive regularly approves people with less than perfect credit or very little credit history. Give Progressive a try.

Acima Leasing

Acima works hard to find you the lowest payment options. You have a lot of options in regard to your monthly payments. Pay weekly, bi-weekly or monthly. You can also pay the rest you owe early so you can save. Don't have good credit? No worries. You still have a good chance of getting approved through Acima. Apply today and let's get you started.

Disclosures For Progressive

Universal Disclosure - Ownership by rental/lease agreement with Progressive Leasing costs more than the
retailer’s cash price. Select items only. Cancel or purchase early at any time. Not available in MN, NJ, VT, WI, WY.

No Credit Needed: Progressive Leasing obtains information from credit bureaus. Not all
applicants are approved

90-Day Purchase Option - Standard agreement offers 12 months to
ownership. 90-day purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early or to cancel
lease you must call 877-898-1970. Retailer cannot activate early purchase options.

Early Purchase Options - Standard agreement offers 12 months to
ownership. Early purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early or to cancel
lease you must call 877-898-1970. Retailer cannot activate early purchase options.

90-Day/Early Purchase Option Combined - Standard agreement offers
12 months to ownership. 90-day and other early purchase options cost more than the retailer’s cash price (except 3-month option in CA).
To purchase early or to cancel lease you must call 877-898-1970. Retailer cannot activate early purchase options.

Initial Payment - The initial payment (plus tax) is charged at lease signing.
Remaining lease payments will be calculated upon item selection

Frequently Asked Questions

  • I can't pay the full price of my purchase upfront. How can your finance program help me?

    We understand not all family budgets are the same and so we make it easy on all customers. If you can't cover the entire payment of your purchase upfront, that's ok. Take advantage of our No Credit Needed payment plan. Pay $50 down payment and we break up the rest of the payments for you. Looking to finance or rent an appliance or furniture? Try one or two of our affiliated financing companies. Even if you are denied, please call us. We can work something out for you.

  • What do I need to apply?

    2 of the most important things you need to apply are:


    [1] A bank account that is over 6 months old.


    [2] You need to have your bank's account number and routing number.


    On the form, you will also be asked for:


    [1] Your job address and basic info such as your monthly income.


    [2] Your driver's license info. No worries if your don't have one.


    [3] Your Social Security Number. 

  • Do I have to have a job to apply?

    No, you do not need a job to apply. If you have a job it can help to improve your chances of getting approved but it is not a requirement to have a job to apply. You can still get approved even if you don't have a job.


    You just need to show us that you are gettig some form of income coming in. It can be in the form of social security, student stipends, allowance, and etc. As long as you make about $800 to $1,000 monthly income you can apply.

  • I have bad credit. Will I be approved?

    We have approved 1000s of customers. Many of them never had a perfect credit score. If you have bad credit? No credit? No worries. Apply today.

  • I have financed a product at your store years ago. Do I have to re-submit an application?

    Yes, since a lot may have changed since you last financed such as your income, address, bank, and other so we recommend you resubmit a new application.

  • I don't have a computer at home. Can I come in to your store and finance there?

    Yes, of course you can stop by at our store and finance. We are located at 1942 Parsons Avenue. We usually encourage our customers to apply online before they come to help speed up the whole financing process. 

  • I don't have enough income to qualify for financing. Can I have someone else co-sign for me?

    We can work something out for you. If your income is low but you know someone who can cover you with their income let us know. Please come over to our store with your co-signer and come see our senior sales rep. We are located at 1942 Parsons Avenue Columbus OH 43207. If you want to call before you come in, please call (614)445-8840. Thanks.

  • What if I apply and I get denied?

    If you apply and get denied, don't give up just yet. Give us a call during business hours. Our lease to own financing expert will try to figure out some ways to get you approved.

  • What do I do if I apply and I get approved?

    Once you are approved, you will very likely get an email or maybe a text message to confirm your approval and the amount you have been approved for. The next thing to do is to come in and see us at the store as soon as possible so we can help you get the product you need and complete the financing process for you. You do not need to print anything unless you want to. Just show us your ID and we will take it from there. 

  • My question was not found in your Q and A.

    No worries. Please scroll down and use the contact form below to send us your question. One of our lease to own financing experts will get back to you soon.

  • Are there any disclaimer I need to know about initial down payment?

    The initial payment is $49. All remaining lease payments will be determined by the cash price of the leased item and the frequency of payments. You will not own the leased merchandise or acquire ownership rights unless you make 12 months of payments or exercise an early purchase option. Not all applicants are approved. Please remember to read your lease-to-own agreement we give you for more details.

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