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Financing: Each company has different approval terms.  Please explore each available finance option.  If you get declined, you can try the other options for other payment plans.  Call us at 918-456-2411 with any questions.  

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  • No interest if paid in full within the promotion time*
  • Everyday-no minimum purchase required*
  • Hassle free
  • Convenient monthly payment
  • Easy to apply


Deferred Interest
6 Month 0%
12 Month 0%
18 Month 0%
24 Month 0%

Equal Pay
36 Month
48 Month

Terms on depends on current sale.  See store for details

Click Here for Complete Terms and Conditions

Get approved for a lease purchase agreement of up to $3,000

Get instant ACCESS to your financing upon approval

Get shopping! Snap lease-to-own financing lets you get what you need, when you need it.

Bad credit. No credit. Bankruptcy.

We’re your No Credit Needed financing partner!

Has your credit score taken a hit? Have you been denied traditional financing? Or maybe you don’t have any credit history, good or bad? Don’t worry, you’re not alone! Getting financing can be difficult. Snap is here to help!

Bad credit or no credit? No problem!

Snap doesn’t offer traditional loans. Instead, we offer a consumer lease that allows you to finance your purchase over 12 months of convenient payments. We also offer a 100-Day payment option, the best terms around. Need new tires for your car? Or new furniture for your growing family? Don’t let bad credit stand in your way. Snap is your partner for No Credit Needed financing!

What is No Credit Needed financing?

No Credit Needed financing is Snap’s rent-to-own financing that doesn’t rely on credit reports to determine approvals or denials. We use a proprietary process that allows us to look beyond bad credit, bankruptcies, or even no credit history. Snap understands that we all face challenges from time to time, so we look for opportunities to help you build or restore your credit.

Koalafi $10 Initial Payment Program

koalafi financing


TEXT NEEGE TO 844.223.8937


We’ll help you get what you need today. And you can pay over time – regardless of your credit history. Apply online, on your mobile device, or in the showroom of your favorite store. It’s easy to apply.

TEXT 38141 TO 22462

 Uown Financing – No Credit Needed

At Uown, we understand that the credit score does not define the customer.

It’s our belief that everybody, regardless of credit history, should have the ability to provide for his or her family. By giving customers a simple, straight-forward lease-to-own payment option on essentials like bedding, appliances, and furniture—Uown works hard to make that happen.


At Uown, we report all of your payments directly to the credit bureau. So at the end of your lease, you’ll have more than great merchandise—you’ll have an improved credit score as well.


Our dedicated support team is standing by, ready to assist you every step of the way. Call us seven days a week and see why Uown sets the industry standard in customer support.


We pride ourselves on transparency. That’s why all of our lease purchase agreements are short, straight-forward, and easy to understand. No tricks, no hidden fees. Just the merchandise you need and payments you can afford.


While some lenders work against you, Uown works with you. Should a life event occur and you need to change your payment schedule, we’ll generally accommodate your request at no additional cost.


Call Lowry’s at 918.456.2411 and we can assist you with any questions you may have.

Call Lowry’s at 918.456.2411 and we can assist you with any questions you may have.