Buy Now Pay Later Electronics, Laptops & Furniture

No Credit Check on Computers, TVs, Appliances, Cell Phones & Furniture

Get approved in minutes, and shop now pay later on the best brand name electronics, computers, furniture, appliances, laptops, tablets, and more. NO CREDIT NEEDED when you shop our online store.

Get Pre Approved - Apply Now
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  • 1.

    Quick & Easy Store Credit

    Flexible weekly, bi-weekly, or monthly payment options make it simple to use. Shop online for laptops, electronics, TVs, phones, furniture, washer and dryers, refrigerators and more.

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  • 2.

    Credit Financing for Electronics

    Pay over time with a flexible payment plan for laptops and many brand name electronics.. Pre-qualify even if your credit isn’t perfect. Shop our online store for electronics and appliances even if you have poor or bad credit. We have no credit check options for iphones, laptops, furniture and more. Apply Today for instant credit upon approval with no money down.

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  • 3.

    How It Works

    Apply for An Instant Credit Decision! No Credit Needed!
    Once approved, shop our online store using your store credit with easy monthly payments
    FREE Shipping on all Merchandise.

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Start Your Holiday Shopping Now -Save on Electronics, Apple Products and Furniture

Holiday Shopping Deals

LutheSales makes it easy to shop now and pay directly from your paycheck. Budget-friendly payments, up to 36 months for qualified applicants.


New Year’s Furniture Sales

Get 25% OFF with 12 months interest-free on qualifying furniture purchases

First Time Buyers or Paid in Full Customers Only


Get up to a $375 Gift Card

Earn a $75 gift card for every $1000 spent on qualifying storewide purchases

Choose from an Amazon, Best Buy or Apple Gift Card


New Year’s Mattress Sale

Improve your health by improving your sleep. Get a free gift with qualifying mattress purchase tier

Get a free health monitoring watch or a sunrise alarm click with qualifying purchase tier


In Honor of Dr. Martin Luther King Jr

The week of January 12-19- Get 15% OFF Storewide

Extended payment plan purchase only. Some exclusions apply.

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apple phones no credit check

Apply here for an easy method to finance electronics, cell phones, iphones, laptops, TVs, video games, and more! Our simple electronics payment plan allows you to make monthly payments on your favorite name brand electronics including Macbook Pro, Nintendo Switch, Apple Watches, Airpods and cameras. We have a large selection of mobile devices including Ipads or Microsoft Surfaces to help you stay connected to friends and family in a simple and affordable way.


Shop now and pay later on your favorite accessories for your home, your car, or to use on-the-go. Easy laptop payment plan available including all electronics. If you are looking for easy military loans, or federal employee loans or financing for home goods, apply today.

Shop for Furniture For The Living Room or Bedroom

If you’re in the market for affordable furniture with easy monthly payments – from living room furniture to affordable bedroom furniture financing – you are visiting the right catalog. How do you know where to buy? Are the best no credit check options for furniture companies. When does it make more sense to keep looking for easy financing?

Shop Now Pay Later financing, allows you to buy furniture, mattresses, appliances, electronics and more through unique finance companies powered by one of the companies in our network at My Exchange Store. From living room furniture to mattresses and bedroom furniture, we’ve got you covered. Visit our furniture and mattresses section to see more of what we carry in:

Instant Financing for Brand Name Electronics & Furniture - - Select from Computers, TVs, Appliances and Furniture

Ready to update your TV, computer and home theater equipment? Shop our wide array of electronics and TV financing options. Find a new flat screen LED TV or 3D TV from the best brands in the industry including Samsung, LG, Sony, Vizio, TCL and Hisense.

Shop for your favorite brands before Black Friday.

When it comes to shopping for affordable electronics and appliances, it can be tough to find the perfect product without breaking the bank. You will find a wide assortment of brand name products with affordable monthly payments designed to fit everyone’s budget. Make easy monthly payment plans for Apple MacBook laptop, Apple MacBook Pro, Apple iMac, Apple MacBook Air. Easy Financing even with Bad Credit New Laptops, iPad Pro, DSLR Cameras & Lenses, Appliances, 4K TVs, OLED TVs, Playstation4 Pro, PS4 VR, Xbox One Console, and more.

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