Please be assured that your personal information is kept private using our secured website.

Our financing has the following benefits:

  • Fastest No-Credit-Needed Decision on Earth!
  • Approval from $300 to $3000.
  • No paystub copies needed.
  • 90 days payment option.
  • Online signature.
  • Auto draft payments.
  • Down payment only $49 for amount financed.

What you will need to apply:

  • Social Security number or ITIN
  • Credit or debit card for down payment.
  • Checking account & routing number
    • Traditional checking account
      • Open for 90 days (consecutively).
      • No prepaid, savings, business accounts.
      • Established/good account standing.
      • Account in applicant’s name.
  • Photo ID
    • State driver’s license
    • Government-issued photo ID card
    • Military photo ID card
    • U.S. Passport
    • Permanent resident card (Green card)
  • Be 18 years or older
  • Employer phone and zip code
    • 180 days (consecutive) employment.
  • Completely filled-in application.


Click the link below for Payment Estimator and to begin the application process.


“No Credit Needed” Frequently Asked Questions

Will using/applying affect the my FICO score (positively/negatively)?

  • NO! We do not pull from any of the 3 major credit reporting bureaus (Equifax, Experian and TransUnion).

What buyout options does I have?

  • 90 Day Option (0-90 days): Pay invoice + $49 initial payment within 90 days of delivery date
  • Early 65%* Option (91-364 days): Pays 65%* of remaining full 12-month term balance
  • 12-Month Option: Pays lease for full 12 months

What is the interest rate?

  • There is no interest rate. This is a lease/purchase program

When will I make payments?

  • Default payments to be made on the customer’s pay day (weekly, bi-weekly or monthly)
  • No payments will be taken within 10 days of merchandise delivery
  • Payments are taken via ACH from the checking account provided

How many leases may a I have at one time?

  • A customer may have up to two leases at one time as long as it does not exceed the original approval amount. EX: Customer is approved for $2500. The first visit they decide to use $1500. They would have a remaining $1000 they may use on their second lease. If customer used the full $2500 on the first lease, they cannot open a second lease.