Option 1 (Good Credit) - We use the New Home Synchrony Credit Card.  It only takes about 5 minutes to apply and will allow you some great options like up to 5 Years with no interest and no money down! You can apply by calling the store at 281-579-1411.

Option 2 (OK Credit) - We are using Regional Finance Corporation for customers that may not qualify for Synchrony but are working towards a better credit report with 6 to 12 months of previous good credit history. This company takes a look at your recent credit history (not just your your credit score) and makes a decision based on that history. This is also a good option if you are young and have not established credit yet. Click Here for the Application. 

Option 3 (OK Credit) - The name of this company is Bristlecone Lending. The benefit of this one is they report to the credit bureau and have been very aggressive about loaning money. This is a good place to start if you are rebuilding your credit. Click on the links below to apply.

 Click Here: 

Option 4 Snap Finance -

Snap Finance - Apply Here

Option 5 - Katapult. Instant approval decision and shipment. No long forms. You’ll know if you’re approved instantly and your order will ship as it would with any other form of payment, as quickly as you choose!

Apply here

Option 6 - American First. Approvals Regardless of Credit 

Apply here

Option 7 - West Creek Financial

Apply here

Option 8 - ACIMA Financing


Option 9  (Lease To Own) - We use several no credit needed finance/leasing companies for this option but Progressive Leasing offers a 90 day Buyout option with a $49.00 initial payment. Progressive is a lease-to-own option and is a great for someone with bad credit. 
*The initial payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection.

90-Day Purchase Option: Standard agreement offers 12 months to ownership. 90-day purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early call 877-898-1970.

The advertised service is lease-to-own or a rental- or lease- purchase agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than the retailer’s cash price. Leasing available on select items at participating locations only. Not available in MN, NJ, VT, WI, WY.

If you are absolutely sure you meet the following No Credit Needed criteria Click on the Link Below to fill out the form:

*Progressive Leasing obtains information from credit bureaus.

>For the Katy Location Click Here: Click here for the Application 

>For the 1960 Location Click Here: Click here for the Application

  • Must be 18 years or Older
  • Must have a SSN or an ITTN number
  • Have routing and account numbers for an open and valid checking account
  • Have a Credit or debit card
  • If you aren't sure if you meet the above criteria please call us at 281-440-1444. If you need a Bank Verification Form click here to download the ACH bank authorization form.