Financing

We Have 8 Ways to Finance You!!

 It's fast, easy and secure

Option 1 (Good Credit, Credit Check) - (up to 60 months same as cash)

We have two credit check choices for option 1.

Synchrony Financial (formerly GE Capital) It's our own Credit Card, takes about 5 minutes to apply and will allow you some great options like up to 5 years with no interest and no money down!  You can go here to read more and if you already have an account with us, this will take you to a link to register and pay your bill online. They have a paper application you must complete in person at the warehouse. Synchrony, if approved, would allow for a revolving account to reuse the approval amount while the account is open and in good standing. The minimum purchase is $399 for promotions. This company has several promotions offering 6 months up to 60 months no interest. 
Click the link below to get pre-qualified with no impact to your credit bureau score

FOR MONTGOMERY OVESTOCK (click here)

FOR BIRMINGHAM OVERSTOCK (Click here)

Tower Loan, a privately-owned finance company, operates more than 180 branch offices in Mississippi, Missouri, Illinois, Alabama and Louisiana. The company is regarded as on the of the largest and most progressive independent finance companies in the nation.

Requirements needed: You will need to bring in a photo ID, and have a qualifying credit history.

Tower Loan offers up to 12 months same as cash & up to 24 month financing.

No down payment required.

• 12 months same as cash for purchases over $1000.00
• 6 months same as cash for purchases between $501.00 - $999.99
• 90 days same as cash for purchases between $300.00 - $500.99

Click here for the application



or print this application out and bring it to our store

Option 2 (Limited Credit, Approvals up to $5000, NO Credit Needed) - (16 Month payments or pay out early at any time) Initial payment $49

Kornerstone is a No Credit Needed Leasing Company. This option is designed for the Non-90 Day Customer. Customers can now payoff at anytime without having to fall for the "90 Day Trap". Customers will see as much as 25% lower monthly payments. This is a good option  if you have a traditional checking account that has been open for 90 days, deposits of at least $1000 per month, 90 days with your current employer, have a mobile phone and a current government issued ID.  This is a good option if you have little to no credit, but have an active banking history. 

1. Apply.  Fill out a simple, two-minute application.
2. Instant Decision. Receive a decision within minutes of completing your application.
3. Complete Your Transaction. Come in during our open Warehouse Sales hours to complete your purchase and make your down payment with your debit or credit card.  Own your product at the end of your term or buyout at any time.

Click this link below for the application

https://app.kornerstonecredit.com/apply/1869 - Montgomery

https://app.kornerstonecredit.com/apply/birmingham_overstock     - Birmingham
 

Option 3 (OK Credit, have 25% down payment) - (Split your purchase into 4 interest free payments)

Simple, short-term installments

4 interest-free payments every 2 weeks, with no impact to your credit score. Down payment due today.

PayPal Pay Later is similar to other installment loan based finance institutions who provide a true no interest option. This is a good option if you want to put down 25% and make equal payments every two weeks. This option does do a soft credit pull meaning no impact to your credit score during the application process. Get a decision in seconds. If you would like to use this option, add the items you would like in the shopping cart on our website and select the Pay Later button to begin the checkout process.

Requirements needed: 600 credit score

1. 1.
   Choose PayPal at checkout to pay later with Pay in 4.
2. 2.
   Complete your purchase with a 25% down payment.
3. 3.
   Use autopay for the rest of your payments. It's easy!

More information is available on their website: PayPal Pay Later

Option 4 (Bad Credit or Prefer No Credit Needed) 

(90 days early buyout OR Take up to 1 Year to pay) 

This company is called Koalifi. They offer affordable no credit needed a financing option. If you pay in full by 90 days, you pay only a $49.00 initial payment, plus the cost of your order. No hidden charges or fees. Or if you’d rather take advantage of our full 12 month financing option, they split your payments evenly over 12 months, making sure that your payments align with your pay schedule. It’s as easy as that!  This option does not require a hard inquiry on your credit and is instead based off your monthly income. The program does have a $49 down payment on a debit care. Requirements are: Photo ID, Social Security #, Debit card with $49 on it, Checking account, Make at least $1000 per month.

If you are absolutely sure you meet the following No Credit Needed criteria Click on the Link Below to fill out the form:

Option 5 (Lease-To-Own Powered by Progressive Leasing) 

Click here, fill out the form and we get an email letting us know

• Application Requirements:

  • You must be 18-years or older
  • Valid Social Security Number or ITIN
  • Have a routing & account numbers for active checking account
  • Have a Credit or Debit Card"

Option 6 (Bad Credit / No Credit & -New Checking Account (open at least 90 days) ~ This Option has an early buyout program)

Acima is a great option for someone with Bad or No credit.

This option is not a true finance option but rather a lease to own. It lets you decide your payoff 12 months or less. Payments occurring weekly, bi-weekly or monthly. You make the payments each month and at the end of the term you own the merchandise. If you decided to pay off early, there is an early buy out plan for 90 days, you would pay the cash price + tax + $10.  Payment due at the time of purchase: $50 

To qualify: You must be 18 years or older, have a steady income of $1000 before taxes with a checking account open for at least 90 days with deposits into the checking of at least $1000 per month, no NSFs in the last 30 days and have a valid US or State photo ID.

To read more click here

Option 7 (Little or Bad Credit, No Credit Needed - Also accepts online banks) - (100 days early payout ) 

SNAP is a good option if you want to get financed with no credit needed.  This option currently requries $39 payment at the time of purchase. 
 

• $39.00 Processing Fee
  • Once approved, the customer will be prompted to accept and sign their lease agreement and pay the processing fee, if applicable.
• $0.00 Initial Payment
  • Any initial payment goes toward the total cost of the customer’s lease.
• $69.00 Cost of Lease for 100-Day Option
  • Please encourage your customers to review their lease summary carefully. There is now a cost to use our 100-Day Option.

Requirements needed: NO CREDIT NEEDED, 18 years of age, gross at least $1000 a month, and have an active checking account