Financing Options

We know that buying a new appliance is a big deal - especially when life throws surprises your way. That’s why we’ve partnered with Progressive Leasing and American First Finance (AFF) to offer flexible payment options for all kinds of budgets and credit situations. 

Whether you need something now but want to pay over time, or you’re working on building (or rebuilding) your credit, we’ve got options that can help.

💳 Option 1: Progressive Leasing

A lease-to-own option with no credit needed

Why our customers like it:

  • ✅ Super quick and easy to apply—takes just minutes!
  • ✅ No credit needed (just a soft credit check)
  • ✅ High approval rates—even for less-than-perfect credit
  • ✅ Flexible payment schedules: weekly, bi-weekly, or monthly
  • ✅ 90-day early purchase option to save money

Things to keep in mind:

  • ❌ You don’t own the item right away—it’s a lease-to-own agreement
  • ❌ If you make payments over the full term, the total cost will be higher
  • ❌ It doesn’t help build credit (unless payments go delinquent)
  • ❌ Frequent payments may be hard to manage for some folks

Best for: Quick approvals, low credit score shoppers, flexible schedules

🏦 Option 2: American First Finance (AFF)

A traditional financing option with monthly payments

Why our customers like it:

  • ✅ Offers installment loans—not just lease-to-own
  • ✅ Fixed monthly payments—easy to plan and budget
  • ✅ Early payoff discounts (90- or 180-day options)
  • ✅ Can help build credit (reports to credit bureaus in some cases)
  • ✅ You’re working toward ownership from day one

Things to keep in mind:

  • ❌ Application may require a bit more documentation
  • ❌ Interest rates can be higher if not paid off early
  • ❌ May take a little longer to get approved

Best for: Building credit, traditional financing, structured monthly payments

🛠️ Need Help Choosing?

If you're not sure which option is right for you, give us a call or stop by. We’ll walk you through it with zero pressure and help you find a plan that works for your budget and your life.

We believe everyone deserves access to quality appliances - no judgment, no gimmicks, just honest help.