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So you have a new house; maybe it is the first house you have ever bought or maybe you just moved a little closer to your work or to a better school zone for your kids. It’s estimated that 35.5 million Americans are moving each year no matter what the reason and all...

Finding ways to save energy is good for your household, your budget, and for the environment, which is why many homeowners are opting to switch to more efficient appliances. This initial investment can wind up saving you big dollars over time, and if you are worried...

You want to get nice things for your house, and you want your home to be pristine and beautiful. However, you don’t have a lot of money. You also are thinking of proposing and want to get married, but the same problem exists: you lack funds. Luckily, jewelry financing...

Did you know that Energy Star appliances are known to use around 10% to 50% less energy than other standard appliances? However, replacing a major appliance is quite an expense and can become a burden if you have bad credit or no credit at all. Any major appliance...

If you have bad credit and can’t fathom a way to own beautiful furniture or appliances, you should know about rent to own furniture. Being able to rent to own offers you the option to pay as you go, meaning that you don’t have to pay an upfront sum. It chunks down the...

You’ve just walked across the stage and received your hard-earned diploma. While you surely feel relieved to be free of class schedules, final papers, and college campus living, there is also an acute sense of dread about your impending independence. Because with...

You Have Bad Credit, How Do You Purchase a New Couch? Bad credit financing is a term that applies to those who have less than stellar credit scores. Your credit score determines your creditworthiness as a consumer. Scores range from 300 to 800 and the higher your...

When you start thinking about getting new furniture for your home, purchasing the pieces at full price may seem like the only option. However, there are alternatives to paying that intimidating amount all at once. Zero down furniture leasing gives buyers the...

Alternative financing options have come to aid many people’s pockets. When you want to make a real transformation in your home or office, you probably think of getting fancier furniture or appliances. The contentious issue is how to go about it. Should you buy new...

In many areas around the country, for at least part of the year, we rely on our AC units to keep us cool and comfortable. With longer and hotter summers, the strain on these machines becomes even greater. Over time things start to break down the and AC unit may not...

The summer months are right around the corner, so it's going to be vital that your HVAC system is functioning correctly. If you find that your system needs repair, you won't want to wait to replace it. You shouldn't have to spend the summer dealing with a stifling hot...

There is nothing more frustrating than trying to buy quality furniture on a tight budget. Fortunately, there are a number of different ways that you can save on your next furniture purchase. Here are just three to keep in mind. Turn Trash Into Treasure Remember you...

Appliances can be costly, depending on the features they come with. When most people are renovating their homes or have just moved into a new place, they want to get all sorts of appliances. But the price associated with this equipment can represent a major burden....

Repairing appliances is awesome, you can extend their lives which will help to cut waste in landfills. But sometimes you just have to admit that it's impossible to keep an oven forever. Here are some of the signs that it's probably time to replace it with something...

Did you know that furniture is the third most expensive item that you will buy throughout your lifetime next to purchasing a home and vehicle? Yet with furniture financing, it is possible to own beautiful new furnishings while on a budget. However, lease purchasing...

Credit scores run a significant part of the American economy, with their applications coming in handy in areas such as credit card applications and mortgage and car loans. With 30% of Americans having poor or bad credit, it means that a substantial portion of citizens...

The fact is that most of us are dealing with something of an economic downturn due to the COVID-19 pandemic. Many people are currently struggling with job loss, either temporary or permanent, as well as cut pay and hours. But the fact is that despite the fact that the...

Right now, we all are more conscious of our budgets than we were prior to the COVID-19 pandemic. Few people haven't been affected financially in one way or another by the pandemic, some more permanently than others. For a lot of people, the pandemic has meant lost...

It's likely that you've read think pieces recently about how fewer people are getting married in the United States. But the reality is that a lot of us are still getting married. In fact, about half of all Americans over the age of 18 were married as of 2017; people...

So you want or need to buy new furniture, but you don't have a big budget to work with. You're not alone in facing this issue, trust us. Right now, about half of all Americans are living paycheck to paycheck, which means that when big purchases like furniture become...

Like many people in the United States, you may suddenly be dealing with the reality that you need to work from home. Work from home jobs may have seemed unusual or even unattainable to many of us prior to the COVID-19 pandemic. But the reality is now that many...

So you've moved into a new home, and unfortunately, it's not as furnished as you would like it to be. Most of us have dealt with this, and it's never particularly pleasant. You could be moving into the very first space that you've lived in alone, forcing you to buy...

According to FICO, more than 43 million Americans have a credit score of 599 or less. Credit reports and scores have a significant impact on an individual’s financial life. Consumers with low credit ratings face a variety of financing issues. From troubles getting...

Flexible lease-purchase programs are attractive alternatives to other financing options in buying home items. With over 68 million Americans having a bad FICO score, it may be hard to approach traditional banks to finance your new furniture or electronics acquisition....

Appliances tend to break down at the least convenient times. You may find that your dishwasher has suddenly stopped working -- or you may experience problems with your refrigerator, washing machine, or other major appliance. Most of us have a tough time living without...

There are a lot of Americans who cannot afford to pay in full for necessities. In fact, nearly half of all American households are surviving while living paycheck-to-paycheck. They aren't able to build up their savings and have little money saved for the proverbial...

If you have a lot of credit card debt, you aren't alone. Credit cards are particularly alluring for young Americans, and when you're offered a promising credit line, it can be difficult to resist running up your credit card. The problem is that when your debt gets out...

Furniture is a basic necessity. Even if you have only a few pieces, furnishings allow us to be comfortable and can make any house feel more like home. But furniture is actually the third most expensive item a person will buy during their lifetime, which means that a...

If your credit is keeping you from getting the things you need and want, you should know that you have options, there is bad credit financing available that will improve your lifestyle. Whether it is furniture financing, or you need HVAC financing, there is a...

We all need furniture. You can't exactly sit around in an empty house. But though you may need furniture, that doesn't mean that you have the money for the furniture that you want right now.   When you look into furniture, you will likely realize rather quickly...

When you know, you know. This is what a lot of people say about deciding to get married -- though, of course, the decision-making process can be a bit more complex than that! But just because you've decided to get married doesn't mean that you're quite ready to pay...

Imagine one day opening your fridge and finding that it hasn't been working all day and that all of your food has gone to waste. If this hasn't happened to you yet, then you're lucky; plenty of people can attest to how frustrating this is. It's no less frustrating...

In modern society, we rely on a number of home appliances on a daily basis. But if your fridge is on the fritz or you've been without other kitchen basics for months, you might be worried about how much replacement will cost.   Fortunately, financing for...

Having reliable home appliances -- like a refrigerator, dishwasher, or washing machine -- can be considered a necessity. But these appliances tend to break down at the most inconvenient times. After all, your appliances may only last a decade or so. To avoid an...

Many adults decided to marry while they are in their late 20s. It’s wonderful to be in love no matter what age you may be. It’s even more exciting when you’ve found the person you want to marry. So, you’ve found the courage to actually pop the question. It feels like...

Nearly 30% of Americans are living with bad or poor credit. Credit like this can make buying essential things such as furniture a challenge. However, thanks to lease-to-own options, millions of Americans have an option to furnish their homes while also rebuilding...

Right now, home is more important than ever to many Americans. Home has become your office, school, vacation spot, and spa. It also means that your space (and furnishings) might not be functioning quite as well as you’d like them to. However, if you’re like nearly...

Americans are swimming in credit card debt to the tune of $1 trillion dollars. It’s very easy to get in over your head when it comes to credit card debt. Before you know it, you’re missing payments that you can’t afford or you’re late on payments and your credit score...

What do you do when your water heater gives out and you don't have the money to fix it? What if your credit is bad? Bad credit water heater financing can be a real lifesaver. The right bad credit financing can help you get the water heater that your family needs. You...

Appliance financing is one of the things you can do to make your shopping experience more successful and detailed to your needs.

Financing for furniture can be an eventful experience if you finance with traditional furniture stores, so consider zero down furniture leasing

Lease-purchase programs provide a wide variety of services, from financing electronics to engagement ring financing.

Rebuilding credit is possible through financing electronics for school, such as laptops, printers, phones, and other necessities.

By making small changes to your routine, you’ll be able to stretch your budget without sacrificing your overall comfort. Here are a few ways to save money on household bills this summer.

So what can you do to avoid racking up credit card debt on these essential purchases? Here are three creative ideas to keep in mind.

Financing for furniture gives you the ability to invest in the furniture pieces you love without waiting over a year to save up just for a couch. Appliance financing also gives you the ability to buy new appliances that are energy-efficient so you can shrink your energy bills now rather than later.

Okinus offers financing for new appliances, including bad credit financing, with early payment options so you can get the appliances you need when you need them.

No credit needed financing helps people who really need HVAC financing in order to get cool and stay cool

Ideally, you’ll want to get an engagement ring that your partner will love, that will last, and ideally, that comes with a warranty or insurance options.

customer financing options won’t discriminate against those with bad or non-existent credit, leveling the playing field for those in need