No Credit Check Financing — Compare 12 Income-Based Approval Providers

Compare rent-to-own, lease-to-own, and buy now pay later providers that approve based on income and employment, not your credit score. No hard inquiry, instant decisions, flexible weekly or monthly payments on electronics, furniture, appliances, and more.

How No Credit Check Financing Works

Instead of pulling your FICO score, these providers evaluate your income, employment status, and banking history. Most applications take under 5 minutes with an instant decision. Your job is your credit.

Providers That Don't Check Credit

• Acima — Soft pull only, builds credit, up to $5,000
• Progressive Leasing — No hard check, 30,000+ retailers
• Katapult — No credit check, no late fees
• Snap Finance — Income-based, up to $5,000
• Koalafi — No hard check, up to $7,500
• Rent-A-Center — No credit check, 2,700+ locations
• Aaron's — No credit check, 120-day same-as-cash
• SmartPay — No hard check for phones