Buy What You Need Today

Acima Credit makes purchases more affordable, letting you make smaller payments over time. There’s no credit needed, so you can qualify based on other criteria. A 90-Day Payment Option is available that gives you an opportunity to save money when you pay off your purchase within the time limit. Longer payment plans are also available.

Do I Qualify?
Acima Credit makes it easy to qualify. Approval is based on the following:

Income History – Do you have a three-month history with your current employer?
Monthly Income – Do you deposit at least $1,000 each month into your checking account?
Checking Account – Have you owned your checking account for at least 90 days?
Checking Activity – Is your checking account free of NSFs, excessive overdrafts, and negative balances?
With tailored payment plans available and an easy application process, Acima Credit provides an affordable solution for your larger purchases.

Apply today with Koalafi. Previously West Creek Payment Options, we are the same great lending company with even more features to help you get the most for your financial needs. Even if times have been economically hard, you may still qualify for $500-$5,000 to use toward your purchase. Get what your vehicle needs with Koalafi at Us Wheel And Tire .

Good Approval Rates

Koalafi has good approval rates, and there’s no credit needed*. Information is cross-checked with data providers and credit bureaus to determine approval and approval amounts. To be eligible, you must be 18 years of age or older, have a current bank account, a debit card and make at least $1,000 per month from a reliable source.

Even More Great Features

Koalafi is bigger and better than even, which means that we can now offer you some additional services that you are sure to love. Our applications are now 25% shorter than before, and we’ve integrated e-commerce solutions to help your online checkout experience go even more efficiently. You can also increase your credit limit with a single click. To learn more about these and all our other additional options, visit our website today!

Lease-To-Own from Progressive Leasing

The Lease-to-Own Program from Progressive can be a great way to get what you want right now. Progressive offers a simple lease-to-own program. If you complete all standard recurring auto-lease payments or exercise an early purchase option, you will own the product(s).

Standard agreement offers 12 months to ownership. Early 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.

No Credit Needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.


Awesome Approvals

“Show me the Money”. We approve up to $5,000. American First Finance approves more than 50% of the applicant’s income, up to $5,000. We have consistenly high approvals. Click here to see how we compare to other alternatives.

Up to 24 Months

Our programs only work if your customer can afford to make the payment. That’s why American First Finance goes up to 24-months. Compare our payments on a $3,000 purchase against the alternatives.

*The bank installment loan advertised is originated by FinWise Bank, a Utah-chartered bank located in Murray, Utah, Member FDIC.