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No Credit Needed Option

No Credit Needed Option


Easy and Affordable Payment
A $40 fee is deducted when the consumer electronically signs the lease to own contract. The customer’s payment is automatically withdrawn from their checking account on their paydays. Payments are 16.25% of the invoice per month for 12 months. For example: If the invoice amount is $1,000 and the customer is paid bi-weekly, the payment will be $75 every payday for 26 payments. If they are paid monthly, they will pay $162.50 monthly for 12 months,plus tax.

100 Day Purchase Option or 65% Early Buyout Option
All customers have the option to purchase their lease agreement within 100 days of the delivery date and only pay the initial payment plus the invoice amount. If the customer wishes to own the merchandise outright after 100 days, they may purchase it at 65% of the remaining balance on their lease.

  • Photo ID
  • Social Security number, government ID or ITIN#
  • Debit card with initial payment of $40
  • Checking account
  • $1,000 a month income

Pelase choose your preferred shopping location below to apply for "No Credit Needed Option":

- Nashua, NH (Apply)
- Newington, NH (Apply)
- Saugus, MA (Apply)
- Brainteee, MA (Apply)
- Raynham, MA (Apply)
- Westboro, MA (Apply)
- Natick, MA (Apply)
- Hyannis, MA (Apply)

Other Options

Bernie & Phyl's Finance

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