At Okinus, we understand the challenges with credit and are happy to help those who need an alternative to traditional financing. Maybe you’re shopping for a new bedroom set or the perfect couch to tie a room together. It could be that it’s just time to replace an old appliance. The good news is you finally have the lease purchase programs to help you bring home what you want when you need it—with no credit necessary.

Learn about our instant approvals up to $5,000 today!


Read more about our leadership, dealer network and how to reach us.

Learn More >


Help your customers get the merchandise they need with our fast, easy and trusted “No Credit Needed” program.

Learn More >


Get instant approvals up to $5,000 with no credit needed. If you’re an existing customer, click here to pay bills or send us a message.

Learn More >

The advertised transaction is a lease-purchase agreement (or in specified states, a lease agreement with an option to purchase; a consumer rental-purchase agreement; a rent-to-own agreement; a lease-purchase agreement; a consumer-lease agreement). 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. Ownership is optional. Not available in all states. Merchant participating locations only. Some restrictions apply, please call a Customer Service Representative for complete details.