Payment Options

Getting what you need, when you need it, shouldn't break your budget

Our application process is tailored for those with less-than-perfect credit, meaning our decision to approve you for a lease is based on more than simply your credit score.

We know a three-digit number doesn't tell your story. That's why every Progressive Leasing approval is NO CREDIT NEEDED. Our underwriting process allows us to consider everyone with less-than-perfect credit. We look at many other data points including income and banking history and regularly approve people with less than perfect credit or very little credit history.

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Okinus' lease-purchase program allows you to obtain the merchandise you want when you need it without having to pay the cash price up front. Okinus purchases the merchandise from the retailer for you and you lease it from Okinus over the term of the lease agreement. Just make your regularly scheduled payments and you will own the merchandise at the end of the lease term. You may also choose to exercise your early purchase options at any time.

Just select the merchandise you want and set up delivery. Okinus will buy the merchandise and lease it to you. You make affordable monthly payments or can own the merchandise at any time with our early purchase options. Apply now and see how much you can qualify for today



Our application is fast and easy to complete, and won't harm your credit. You could get approved for $300 to $4,000 of shopping power by meeting these basic requirements:

  • An active checking account with at least $1,000 of income per month
  • 3 months of income history with your current source of income
  • Government-issued photo ID and an SSN or Taxpayer Identification Number
  • Lease it until you own it or purchase early at a discount. Either way, it's yours to keep.