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Lease to Own

If you have bad credit, no credit, then a Lease Payment Option is for you. We work with different companies so you can choose the one that works for you. So, if you happen to get declined for one company, you can always try a different one.

Okinus Finance

Okinus Finance

Approves up to: $6,000

Early Payoff Option: Yes, 110 Day Early Payoff

Reports to Credit Bureau: Yes, Equifax & Transunion

Initial Payment: Varies. First Payment or less.

Requirements: 60-Day old Checking Account

Documents to Submit: None

Accepts Payroll or Prepaid Cards: No

Also Accept: Self-Employed, Retirement, SS, VA, Disability, ITIN

Apply

Learn More about Okinus Finance

Snap Finance

Snap Finance

Approves up to: $3,300

Early Payoff Option: Yes, 100 Day Cash Payoff

Reports to Credit Bureau: Yes, DataX and Clarity

Initial Payment: $39 Processing Fee

Requirements: Active Checking Account, Earn $1,000 a month

Documents to Submit: None

Accepts Payroll or Prepaid Cards: No

Also Accept: Self-Employed, Retirement, SS, VA, Disability, ITIN

Apply

Learn More about Snap Finance

Acima

Acima

Approves up to: $5,000

Early Payoff Option: Yes, 90-Day Purchase Option

Reports to Credit Bureau: No

Initial Payment: $54 Initial Payment

Requirements: 90-Day old Checking or Debit Account, Earn $1000 a month

Documents to Submit: None

Accepts Payroll or Prepaid Cards: Yes, accepts Chime if linked to a checking account.

Also Accept: Self-Employed, Retirement, SS, VA, Disability, ITIN

Apply

Learn More about Acima

American First FinanceApply with American First Finance

Kafene

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Approves up to: $5,000

Early Payoff Option: Yes, 90 or 180 Day Early Payoff

Reports to Credit Bureau: Yes, All 3 Major Credit Bureaus (Equifax, Experian, TransUnion)

Initial Payment: $54 Initial Payment

Requirements: 60-Day old Checking Account, Earn $800 a month

Documents to Submit: None

Accepts Payroll or Prepaid Cards: No

Also Accept: Self-Employed, Retirement, SS, VA, Disability, ITIN

Apply

Learn More about Okinus Finance