✅ Synchrony Bank
Trusted Long-Term Financing with No Interest
What people are Saying:
90%
of customers with good credit were approved using Synchrony
85%
said 12-month no interest helped them upgrade their purchase
88%
felt confident choosing Synchrony again for future financing
Subject to credit approval. 12-month no-interest financing available through Synchrony Bank for qualified applicants. Requires valid ITIN or SSN and established credit history. Interest accrues during promotional period and is waived if balance is paid in full within 12 months.
✅ Affirm
Flexible Installments for Smart Budgeting
What people are Saying:
92%
found Affirm easy to apply for with SSN or ITIN
87%
said it helped them purchase without stress
90%
loved the transparent payment terms with no surprises
Payment plans offered through Affirm are subject to eligibility and approval. A valid ITIN or SSN and a good credit history are typically required. Terms may vary by purchase amount. Checking eligibility won’t affect your credit score.
✅ Acima Leasing
Easy Leasing — Perfect for No or Low Credit
What people are Saying:
95%
approval rate with no credit needed
91%
of first-time buyers were approved with ITIN
89%
said Acima helped them rebuild or start credit
No credit needed. Approval not guaranteed. Acima approval requires active checking account, income verification, and ITIN or SSN. Leases are subject to review and applicable lease terms. Early purchase options available.
✅ America First Finance
Simple and Straightforward Approval
What people are Saying:
93%
of applicants with limited credit history were approved
89%
reported stress-free monthly payments
90%
chose it for easy setup with ITIN or SSN
Approvals require valid ITIN or SSN. No credit history necessary. Payment plans are based on verification of income and other eligibility criteria. Terms and conditions apply. America First Finance is not a credit repair service.
✅ Snap Finance
No Credit? No Problem. Snap Has Your Back
What people are Saying:
96%
of shoppers with no credit were approved
91%
said it was the fastest approval process
92%
chose Snap again for additional purchases
No credit needed. Approval depends on income verification and other eligibility factors. Valid ITIN or SSN required. Snap Finance is a lease-to-own solution with flexible payment options and early payoff incentives.
✅ Layaway By Art Gold
No Credit Check. No Pressure. Just Layaway.
What people are Saying:
100%
of customers appreciated the no-credit, no-hassle option
94%
said layaway helped them buy a meaningful gift
92%
would recommend our layaway plan to friends or family
No credit check required. Layaway orders must be paid in full before pickup. Payment terms and schedule agreed upon in-store. Missed payments may result in cancellation or restocking fees.
