How does it work?

Watch the video below to learn more


West Creek offers simple, fast, No Credit Needed payment options!

High Approval Rates:

With West Creek Financial, it takes only seconds to get approved for up to $5,000 on a lease-to-own contract. More than 80% of applications are approved — whether you are a credit superstar or just getting started.

Low Initial Payment. Early Payoff Discounts.

We offer a transparent, and affordable no credit needed financing option. If you pay in full by 100 days, you pay only a $40.00 initial payment, plus the cost of your order. Or if you’d rather take advantage of our full 12 month financing option, we split your payments evenly over 12 months, making sure that your payments align with your pay schedule. It’s as easy as that!

100-Day Purchase Option Or Early Buyout:

And with the 100-day purchase option — you can choose to purchase the item within 100 days of delivery and pay only the initial $40.00 payment plus the invoice amount. After 100 days, you may choose the early buyout option and purchase the merchandise at up to 55.00% of the remaining balance on the lease.


Photo ID

Social Security Number, government ID or ITIN#

Debit card with initial payment of $40.00

Checking account

$1,000 a month income

Terms and conditions

West Creek’s leasing-to-own financing option allows you to get what you need and pay over time. The term of the lease is set by West Creek at 12 or 24 months depending upon the purchase price. The payment is withdrawn from your checking account automatically based upon your pay schedule. There is an initial payment of $40 due upon inception of the lease. You can apply in store or on line with West Creek Financial. 

* The program described is a rent-purchase (or lease-purchase) transaction. You will not own the leased merchandise or acquire ownership rights unless you make all scheduled payments or prepay in accordance with the lease. Details may vary from state to state. Consult your lease for complete terms and conditions.