Fast, friendly lease-purchase programs with NO credit needed and instant approvals up to $5,000.

Giving you the opportunity to purchase high-quality furniture at a price for can afford.

  • High approval amounts with lower income requirements.
  • Multiple lease options —a low monthly payment or no initial payment.
  • Leasing terms of up to two years to make your payment more affordable.
  • High approval rates; Okinus approves approximately 60% of our applicants.

Superior customer service!

We also accept all major credit/debit cards, cash and PayPal.

Frequently Asked Questions:

What is a lease-purchase program?

Okinus’ lease-purchase program allows you to obtain the merchandise you want when you need it without having to pay the cash price up front. Okinus purchases the merchandise from the retailer for you and you lease it from Okinus over the term of the lease agreement. Just make your regularly scheduled payments and you will own the merchandise at the end of the lease term. You may also choose to exercise your early purchase options at any time.


What type of merchandise qualifies for Okinus’ lease-purchase program?

Okinus offers a wide selection of merchandise under its lease-purchase program including furniture, appliances, and electronics. 


I would like to exercise my early purchase option – what are my choices?

90 Day Early Payment Option – Pay off the cash price amount of the merchandise within the first 90 days in any manner that is convenient; for example–weekly payments, 3 payments or a lump sum.

90 Day Discounted Early Payoff – Pay off the cash price amount of the merchandise plus 5%, 10%, or 15% within the first 30, 60, or 90, respectively.

After the first 90 days from your lease origination date; you may exercise your right to purchase the merchandise by paying a percentage of the remaining payments owed (as stated in your lease agreement) plus any outstanding fees.


I have poor credit. How can Okinus help me get what I need?

Shop, select the merchandise you want and set up delivery. Okinus will buy the merchandise and lease it to you. You make affordable monthly payments or can own the merchandise at any time with our early purchase options.


What is the maximum amount that Okinus approves?

Okinus may approve up to $5,000 if you are at least 18 years old, have an active checking account and earn at least $1,200 of gross monthly income.


I notice that certain merchants I visit offer other lease purchase programs – what makes Okinus different?

Okinus focus is on providing our customers with quality merchandise at an affordable price. We do so by offering:

High approval amounts with lower income requirements

Multiple lease options —a low monthly payment or no initial payment

Leasing terms of up to two years to make your payment more affordable

High approval rates; Okinus approves approximately 60% of our applicants

Superior customer service


Does Okinus report my payments to the credit bureaus to help me restore my credit?

Yes, we do report your on-time payments to the credit bureaus to help you restore your credit.


I have done business with Okinus before and would like to obtain additional merchandise through Okinus. Can I do that?

Absolutely. We love working with repeat customers. Open a new lease-purchase agreement by returning to American Trade ins-tore or online. 


Do I pay interest on my lease purchase agreement?

Since your agreement with Okinus is a lease, your payment is a rental payment. There is no amount of interest included with your payment.


What if I don’t have a checking account?

Customers must have an active checking account that has been opened for at least 90 days in order to qualify for our lease-purchase program.


What if I don’t have a driver’s license? Can I provide some other form of identification to qualify?

Yes, in addition to a driver’s license, an applicant may use an ITIN or TIN number or passport


I am currently unemployed, may I still apply?

As long as you have another form of income such as SSI, Disability or Retirement Income. Don’t forget that one of the qualifications is $1,200 of monthly gross income.


What if I have filed for bankruptcy – am I eligible to apply?

You are eligible to apply as long as you have not filed bankruptcy where Okinus was listed as a creditor.