No Credit Needed Options
American First Finance
Lease-To-Own Up To $5,000
Affordable Payments
- Approvals from $300-$5000
- Fast and Easy Application
- Quick Lending Decision†
- *Approval is possible without a credit score, but credit will be checked. Subject to approval and standard underwriting criteria. Terms and conditions subject to change at any time without prior disclosure or notice. †Decisions may take additional time and not be same day, including if more information is needed to complete an application.
Koalafi
Lease-To-Own Up To $5,000
$49 Initial Payment
- 90-day early purchase option*
- On-time payments give you an opportunity to build your credit**
- No credit needed†
- Applying for a Koalafi lease won’t impact your FICO score‡
- *Offer applicable to lease product only. Customers must make all payments on time to remain eligible for the 90-day promotional period. Customers will not own the leased merchandise or acquire ownership rights unless they make all scheduled payments or prepay in accordance with the lease. Lease holders in California have a minimum 92-day early purchase option. For qualifying customers only. See lease agreement for details.
- **You may have an opportunity to build credit by making on-time payments over the entire agreement term. Koalafi reports positive and negative payment history to multiple credit bureaus.
- † We do perform a credit check on the customer as part of our application process. No credit needed does not imply no credit check.
- ‡ While submitting an application won’t affect your FICO score, lenders, financiers, or lease providers may obtain information from non-traditional consumer reporting agencies in connection with your application prior to approval.
Snap Finance
Lease-To-Own Up To $5,000
$39 Initial Payment
- 100-Day Payoff Option
- Flexible Payment Options with No Hidden Fees
- No Credit Needed – All Credit Types Welcome
- Apply Now, Approval In Seconds
- Not Available in MN, NJ, WI, or WY
- Lease to own financing. It is not a loan, credit, or traditional financing.
PayTomorrow - inc. UOwn
Loans and Leases Up To $5,000
$40 Initial Payment
- 90-Day Payoff Option
- Flexible Payment Options with No Hidden Fees
- Payments via PayTomorrow or Uown Leasing, Dependent on Underwriting
- No Credit Needed – All Credit Types Welcome
- Apply and Checkout Online
- Not Available in MN, NJ, WI, or WY
- Lease to own financing. It is not a loan, credit, or traditional financing.
Affirm
Make Monthly Payments With No Hidden Fees
Pay Over Time With Affirm
- Make Monthly Payments with No Late Fees
- Get A Real-Time Credit Decision
- Pay-in-4 or Traditional Financing Options Up To 36 Months
- Available in All 50 States
- As Low As 0% APR For 6 Months
- No Penalty For Paying Early
Our Business Is Built On Trust!
Our Parent Company Is BBB Accredited and A Rated:
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