One step before we choose your time
Since you're financing, we get you approved first, then we set the appointment. It takes only a few minutes right here on your phone.
Both options below are the same on all three of these factors, so choose based on how you want to pay it off.
No credit needed
$49 down
Answer in minutes
KOALIFI
Four months, same as cash
This has the longer payoff window of the two. Pay it off in four months and you're at the cash price.
Koalafi reports your payments to TransUnion, so paying on time can help build your credit. Late payments get reported the same way.
ACIMA
Three months to own it outright
A shorter window, but you set the rhythm. Payments can run weekly, every two weeks, or monthly, whichever lines up with your paycheck.
Acima does not report lease payments to the credit bureaus, so this one will not move your credit either direction.
The part most stores bury
Both of these are lease-to-own agreements, not loans. Pay it off inside the window and it is the cheapest way to do this. Carry it the full term and it costs noticeably more than the cash price.
Both companies also offer early payoff after the promotional window closes, which still saves you money compared to riding it out. Ask us or check your agreement for the exact figure.
Whichever you choose, the full cost is spelled out in writing before you sign anything. If the numbers do not work for you, you are free to walk away at that point.
Have these handy before you start
Both applications generally ask for the same things:
An active checking account
Roughly $750 or more in monthly income
About three months of history with your current income source
A government-issued photo ID
Your SSN or ITIN
What happens after you apply
Approvals usually come back within a few minutes, and we get notified at the same time you do. Matt will reach out to you at the number you gave us to lock in your appointment.
You do not need to call us or send us anything. Just watch your phone.
Turned down, or stuck partway through?
If one says no, try the other. They are separate companies with different approval standards, and a decline from one tells you nothing about the other.
If neither one works out, call us anyway. We would still like to help you find something that fits.
Talk to Matt
662-574-7737
Mon to Fri 9AM to 6PM · Sat 9AM to 4PM · Closed Sunday