Get ApprovedWe have options
If you've been turned down for credit recently we have options.
No
Credit
Needed**
Flexible
Ownership
Options**
$49
Gets You
Started*
Get approved for up to $4,000 of merchandise, no credit needed**Acceptance Now
With an AcceptanceNOW lease to own agreement you can get the home furnishings you want with no credit needed. Apply in minutes and get an instant approval decision after a brief application.
Choose your payment schedule: monthly, every two weeks or every four weeks. You can own the item in 21 months or less with the option to own it early and save big.
Plus, build your credit history with on-time payments!^
Apply Now
Available Online or In-Store
Build your Credit with Acima. Approvals up to $5,000
No Credit Needed
Buy what you need, when you need it. We'll give you the time to pay.
90-Day Payment Option
Applying with Acima will NOT affect your FICO score
Available Online or In-Store
Featuring 90 Days Same as Cash Option
No Credit Needed
Up to $3,500 pre-approval
Apply in a Minute or Less
Applying with Katapult will NOT affect your FICO score
Available Online or In-Store
Featuring 100-Day Cash Payoff
Lease To Purchase
Lease up to $3,000
Automatic Payment Plan
Take part in our Lease-to-Own program
The advertised transaction is a rental-purchase agreement, rent-to-own agreement, or lease-purchase agreement, depending on your state). Ownership is optional. You will not own the merchandise until the total amount necessary to acquire ownership is paid in full or you exercise your early purchase option. Offer will not reduce number of payments, total amount necessary to acquire ownership, or purchase option amount.
*"$49 to Start" requires enrollment in Autopay. $99 first payment required if not enrolled in Autopay. Initial payment applies to time from agreement start date to first scheduled renewal payment, up to a maximum of 15 days. Tax, Processing Fee (if applicable), Loss-Damage Waiver, and Benefits Plus included, but some fees may be deferred to 1st renewal payment. Offers valid on new agreements only and cannot be combined with any other promotion. Approval limit is based on Big Sandy retail price.
**"No Credit Needed" does not mean or imply that no inquiry will be made of credit history or creditworthiness. We may check past transactional history, but no established FICO score or credit history is necessary. Lease agreement requires, at minimum, verification of residence, income, and personal references. "Flexible Ownership Options" refers to monthly lease and early purchase options, including 90-day. See AcceptanceNOW associate for complete details. Build your credit history not valid in AZ or CA.