Get the things you love - all without credit
ExtraCredit's flexible lease-to-own solutions help you get furniture, appliances, tires, and more – no perfect credit required.
Get approved for up to $5,000
Complete our quick and easy application – it won't impact your credit score. Qualify for $800 to $5,000 in purchasing power by meeting these simple requirements:
Steady source of income earning at least $1,200 monthly
Active checking account (required to complete the application process)
Government-issued photo ID and Social Security or Tax ID number
How to Buy with ExtraCredit
Apply through a participating retailer's website
Apply at any retailer offering ExtraCredit financing
Our application considers more than just credit scores, giving those with less-than-perfect credit a fair opportunity.
Align automatic payments with your payday cycle - weekly, bi-weekly, semi-monthly, or monthly. Our flexible options accommodate your income schedule for easy repayment.
Lease-to-Own A New Opportunity
Access your approved credit line to get what you need today and pay over time.
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Our program lets you make purchases without relying on traditional credit checks.
Qualify with a steady income source, ID, checking account, and being 18 or older.
Choose a flexible repayment schedule aligned with your pay cycle for easy management.
Here's what you might pay
This example shows an 18-month lease-to-own agreement. Calculated payments match your pay schedule based on desired loan amount. Approved lease amount and total cost may differ from this estimate.
