West Creek Financial is a lease-purchase program
- 9 out of 10 are approved regardless of your credit history.
- Instead of using credit history, our approvals are based on verification of income, employment and checking account.
The finance company purchases the merchandise for you after which you lease back the items with payments on your pay schedule. Lease payments are 15% of the invoice per month. example: $1,000 invoice = $150/mo payment. The terms of the lease/purchase agreement are for 12 months.
All the customer needs:
- Photo ID
- SSN or Tax ID Number
- Minimum $1000 Monthly Income
- Checking Account and Routing Number
- Must have $40 minimum in checking account
- Bank account must be active for 90 days
There is simply a processing fee of $40 which is refundable if the customer chooses not to proceed with financing.
90 Days same as cash – You pay only the invoice amount and the application processing fee within 90 days of the delivery date.
65% buyout option – After 90 days you may own the merchandise outright by simply paying 65% of the balance left on the account.Apply Now
- Income History: Do you have three-year history with your current employer or source of income?
- Monthly Income: Do you deposit $1000 or more into your checking account each month?
- Checking Account: Have you had your checking account for at least 90 days?
- Checking Account Activity: Is your checking account free from NSFs, excessive overdrafts, and negative balances?