Lease What You Need, Love What You Get

Enjoy financial flexibility with Kafene’s affordable lease-to-own options for furniture, appliances, electronics, tires and wheels, and more. 
No credit? No problem.

Apply in Minutes

Choose a store and share some basic information about yourself to get started. No credit history is required, and applying will not impact your score.

Get Approved in Seconds!

Our powerful technology will match you to a lease up to $5,000 instantly. Plus, you’ll get customized lease pricing options unique to your needs.

Lease What You Love

Work with the store to pick out your product(s) and start enjoying them as soon as today! Kafene’s flexible terms make it easy to find the option that’s right for you.

- High approval rates

Don’t let credit issues stop you from buying what you want. With Koalafi’s high-tech, innovative decisioning and 82% approval rate, there’s a good chance you’ll be instantly approved for financing, even if your credit score is low.

Once you complete the Koalafi Online Application, you will get an answer instantly.

Bad credit. No credit. Bankruptcy. Snap is your No Credit Needed financing partner! Has your credit score taken a hit? Have you been denied traditional financing? Or maybe you don't have any credit history, good or bad? Don't worry, you're not alone! Getting financing can be difficult. Snap is here to help.

Snap Leasing Requirements:

• 3 Months of history with current employer or current source of income.
• Deposit at least $1000 per month into a checking account that has been open for 90 days or more.
• No NSFs, excessive overdrafts, or negative balances on your current checking account within the past 30 days.
• Must be 18 years or older to apply and must have a valid SSN or ITIN.

A three-digit number doesn’t tell your story. That’s why every Progressive Leasing approval is NO CREDIT NEEDED.

*Progressive Leasing obtains information from credit bureaus. Not all applicants are approved

 Convenient, automatic payment options: Get paid weekly, every other week, or monthly? Easy payment options and automatic withdrawals accommodate your payday schedule.

 To apply you will need:

• Social security number or ITIN
• Bank account details: Checking account & routing number
• Credit or debit card
• Government issued photo ID
• To be 18 years or older

 Once approved, go shopping at your favorite stores

Take your merchandise home same day or arrange for delivery

Simple, automatic payments. Schedule your payment around your paydays

COSTS:

The standard lease-to-own agreement offers 12 months to ownership and could cost more than double the cash price

INITIAL PAYMENT:

The initial payment is the first lease-to-own payment and is part of the 12-month lease-to-own total cost

EARLY PURCHASE OPTIONS: 

In addition to acquiring ownership by making all scheduled payments, you may exercise one of Progressive’s early purchase options, as described in the Lease. 

Customers are automatically enrolled in the standard Lease agreement that auto-renews for up to 12 months. 

You can follow the steps required to set up or exercise either the 90-day purchase option or other early purchase options –call Progressive at 877-898- 1970 or visit the website, progleasing.com. 

90-Day Purchase Option: Standard agreement offers 12 months to ownership. 90-day purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early call 877-898-1970.

Apply today, take time to pay.

In-Store & Online

• Equal payment promotions.
• Deferred interest promotions.
• Fixed pay promotion.
• Good credit score is needed.
• High-interest rates and hidden fees may apply.

With promotional financing from Luna Furniture, major purchases don’t have to wait. Get what you want now and pay over time.*

How it works:

Applying is convenient, fast and safe!

• Fill out a secure online application.
• You’ll get an instant credit decision after you submit the application.
• If you’re approved, you’ll receive a temporary account number so you can start shopping right away.

*Subject to credit approval.

Payment Solutions fit for life - not your credit score.

Get clear terms, easy payment options, and consideration beyond your credit score with American First Finance.

What each product has in common

Regardless of which product is used, the application experience is fast and easy.  While your credit will be checked, none of the products offered require that you have a credit score in order to get approval.  In most cases, approval amounts can be as high as $5,000.  And everything is done with complete transparency before, during, and after the agreement signing process.

Credit Not Required

Approvals are subject to verification and possible without great credit, but we will check credit history.

Pay As You Go

Get approved for up to $5,000 with easy and flexible payment options.

Total Transparency

Whichever payment solution you choose, you will see your contract rates, terms and conditions before signing.

You can be approved for leasable items valued at $500 to $5,000.

-   No Credit Option

-   Easy Payment Options

Acima Leasing Requirements:

• Three months of history with your current employer or current source of income.
• US government-issued photo ID and SS# or ITIN#.
• Deposits totaling at least $1,000 per month into a checking account that has been open for 90 days or more.
• No NSFs, excessive overdrafts, or negative balances on your current checking account.

How much will this cost me?
The cost to acquire ownership depends on whether or not you exercise one of the early purchase options.

• The 90-day early purchase option is the Acima cash price plus a purchase fee
• Second early purchase option allows you to pay a discounted portion (usually 75% of the remaining payments owed) in one lump sum at any time after the first 90 days of the agreement.
• If you choose to purchase the lease over the 12-month lease term you will pay approximately two times the invoice amount.

$50 initial payment