Okinus Financing

Want to take your items home? Okinus approves you for up to $5,000 without going through all the hassle of traditional credit card lenders. It's great for anybody with bad credit or no credit. The program works like rent-to-own: you are not charged for interest right away but rather month to month. The sooner you pay it off the lower the cost. Also if you pay it off within 90 days there is no interest charge or 90 Days Same as Cash.


  • Earn $1,200 a month before deductions
  • Checking Account that's been open past 3 months

If you meet these requirements you are pre-approved! Fill out the online application for a quick response. When you're done, be sure to visit or contact us so you can pick out your furniture or if you have any questions. Upon completing the application, you could be asked to provide any of the following for approval or to increase your approval amount:

  • Most recent paycheck stub
  • Most recent 30 day bank statement
  • Photo ID
  • Voided Check (Matching account # on bank statement)


Frequently Asked Questions

I don’t want my credit checked. Will Okinus check my credit score before approving my financing? Generally, we do not conduct a formal credit investigation of our customers. We verify a customer’s residence and sources of income and, in some cases, review the customer’s bank statement. References provided by the customer are also contacted to verify the information contained in the application form.

Does Okinus report to the credit bureaus? Yes. Okinus reports to Equifax and Transunion.

What is the maximum amount of financing that Okinus provides? Okinus approves up to $5,000 if you have an active bank account and regular monthly income.

How much will I pay in interest? Okinus offers 90 days same as cash (or cash price if paid within 90 days). After 90 days, there is no interest rate but rather a lease fee. The total amount paid will depend on how soon you pay it off.

What if I don't have a voided Check? If you don't have a voided check, please replace with a Bank Verification Form. Most banks can provide you with one if you ask them. You can also print the following one by Progressive and have your bank fill it out for you. Bank Account Verification Form

How do I make payments? Payments are automatically drafted from your checking account on a certain date (see contract if already financing). 

How do I get a hold of Okinus? If you have further questions regarding financing or an existing account you can reach Okinus at:

Phone 1-800-472-1334
Fax 229-294-0441
Mailing Address
147 West Railroad Street, South
P.O. Box 691
Pelham, Georgia 31779