Payment Options

Our mission is to fund life's essential items

NO CREDIT NEEDED - APPLYING DOESN'T HURT YOUR SCORE No matter your credit history, you can still get approved

Make affordable payments over time or take advantage of an early buyout discount. We want it to work for you and your schedule. To be pre-approved you will need 90 days history with your current employer, deposits total of $1000 per month, a mobile phone with an active email account, to be at least 18 years of age with a government issued id, current bank accounts that allow ACH drafts and been open for at least 90 days.

Want to apply? Click Below




Okinus' lease-purchase program allows you to obtain the merchandise you want when you need it without having to pay the cash price up front. Okinus purchases the merchandise from the retailer for you and you lease it from Okinus over the term of the lease agreement. Just make your regularly scheduled payments and you will own the merchandise at the end of the lease term. You may also choose to exercise your early purchase options at any time.

Just select the merchandise you want and set up delivery. Okinus will buy the merchandise and lease it to you. You make affordable monthly payments or can own the merchandise at any time with our early purchase options. Apply now and see how much you can qualify for today



Our application is fast and easy to complete, and won't harm your credit. You could get approved for $300 to $4,000 of shopping power by meeting these basic requirements:

  • An active checking account with at least $1,000 of income per month
  • 3 months of income history with your current source of income
  • Government-issued photo ID and an SSN or Taxpayer Identification Number
  • Lease it until you own it or purchase early at a discount. Either way, it's yours to keep.

  • Acima QR Code



    Our application is fast and easy to complete, a credit report will be processed and most lease agreement are 12-18 months. Challenged credit customers will be considered.

    • Standard lease is 12-18 months
    • Credit Report will be processed
    • Government-issued photo ID and an SSN or Taxpayer Identification Number
    • Automatic payment deduction required