Snap Finance
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100 Day Early payment option
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Up to $5000 Approvals
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Can apply and process at checkout online (Self Service)
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Debit card not required
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Bad credit OK
Acima Credit
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90 Day Early payment option
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Up to $5000 Approvals
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Can apply and process at checkout online (Self Service)
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Debit card required
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Bad credit OK
American First Finance
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101 Day Early payment option
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Up to $5000 Approvals
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Must process in store or over the phone.
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Debit card required
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Bad credit OK
Progressive Leasing
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90 day (California) 3 month (out of state)
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Up to $3000 Approvals
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Can apply and process at checkout online (Self Service)
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Debit card required
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Bad credit OK
Payment Plan
Requirements
Bank Account
Bank Account from a traditional bank. Must use checking account not savings. Must be open for at least 4 months
Income
Bank account must reflect an income of at least $800 month (this number can vary) .
SSN/ITIN
All applications must have a Social Security number or ITIN number to apply. Soft inquiries may apply
Age
Must be 18 years of age or older to apply
Can I Combine different
Finance companies
No, You can purchase multiple items using the same financing company, and you’re also allowed to use more than one financing company at the same time as long as an item is not split between two companies.
Can i Pay the
difference if not approved for enough
Yes, you can pay the difference if not approved for enough. With Progressive Leasing you can not pay the difference. All other payment plans allow you too.
But, Im not in California
We do ship nationwide. You can select shipping method at checkout. Or advise the sales rep if ordering over the phone.
I met all requirements, why was i denied?
Although we will not know the exact reason. The finance companies may send you a letter on the reason why you were denied.
Some common reasons for denials:
- Didn’t have a traditional bank like Chime, Sofi, Cash App are not accepted
- Bank account age is less than 4 months
- less than 800 income goes into the account / month
- Identity not verified (typo in your account details or SSN)