No credit needed. Lease what you need and pay over time. Acima offers simple lease-to-own solutions with high approval rates and flexible payment schedules.
$50 initial payment
90-day payment option with no added cost
Easy application — instant decision
Can be used in-store
Requirements: 3-month income history, active checking account, and government-issued ID.
Koalafi makes it easy to get the products you need now and pay over time. Flexible lease-to-own options are available.
Approvals up to $7,000
Instant decisions — no hard credit check
Pay over 12 months
Early purchase savings available
Requirements: Valid ID, active checking account, and steady income.
Applying is easy! Simply select the financing option at checkout or visit our financing page to fill out a quick application form. Credit decisions are made within minutes.
What financing options do you offer?
SleepCity has teamed up with multiple financing providers to offer flexible payment options:
Acima Finance
Synchrony
Snap Finance
Koalafi
Wells Fargo
Can I apply for financing with bad credit?
Yes. Providers like Snap Finance, Koalafi, & Synchrony consider factors beyond traditional credit scores, offering opportunities to those with bad or no credit history.
What are the approval amounts?
Approval amounts vary by provider:
Snap Finance: Up to $5,000.
Koalafi: Up to $7,500 for lease-to-own and $65,000 for loan financing.
How do I make payments?
Payment methods depend on the financing provider:
Synchrony: Payments can be managed online through their account portal.
Snap Finance: Offers automatic payments aligned with your paydays, with options to adjust payment frequency.
Koalafi: Accepts payments via bank account transfers and debit cards.
Who do I contact for questions about my financing account?
