Shop now. Pay later.
A 101-day interest-free payment option: take a $3,000 refrigerator home today with as little as $39 down. Pick one of three partners below, apply on your phone, and shop in store within 7 days of approval.
- No credit needed
- Quick application
- 101-day payment option
- Lease up to $5,000
Three ways to finance, all approved in minutes
American First Finance
Flexible financing and lease-to-own options that make essential purchases more affordable and accessible.
Apply with AFF
Snap Finance
A fast-growing digital-finance company specializing in consumer financing and rent-to-own purchase options.
Apply with Snap
Acima
A point-of-sale lease-to-own option. Pay off the lease early to keep financing costs to a minimum.
Apply with AcimaAll payment plans are available for in-store purchases only. Approval amounts and terms are set by the partner.
Three steps, one visit
- 1Choose a partner
Any of the three above. Not sure which? Call us and we will point you to the one that fits.
- 2Apply and get approved
About five minutes on your phone with a government ID, a bank account or debit card, and proof of income. Most people get an answer right away.
- 3Shop in store within 7 days
Use the approved amount on any unit on the floor, add delivery and installation, and take it home.
Financing questions
Do I need good credit?
No. All three partners offer no-credit-needed lease-to-own plans that look at income and banking history rather than just a credit score.
How does the 101-day option work?
Pay the balance within 101 days and you pay no interest. After that, the partner's standard lease terms apply.
How much can I get approved for?
Leases go up to $5,000 depending on the partner and your application.
Can I apply online and buy online?
Apply online, yes. The purchase itself is completed in the store, within 7 days of approval.
Can I finance delivery and installation too?
Yes. Delivery, installation and haul-away can be added to the same plan.