Get It Now, and Pay Later!

Bad Credit? No Credit? Need a Solution?

At Okinus, our goal is to provide families with easy access to fast, flexible solutions to lease purchase high-quality merchandise at an affordable price while rebuilding credit. The good news is that you have instant access to what you want when you need it, with no credit needed financing.

Fast​ Approvals!

Our process is as easy as 1, 2, 3! No credit needed
and instant approvals of up to $8,000!

Flexible Options!

With a variety of retailers across the United States, generous approval amounts, and flexible repayment terms, we are sure to have a solution to fit your needs. Take a look at our partner map.

Friendly Services!

Don’t take it from us, check out what our customer’s are having to say!

In a lease purchase, you agree to lease your merchandise from Okinus. Okinus makes the purchase for the items you select, without sending funds to a retailer on your behalf. You then pay Okinus your renewal payments listed on your payment schedule, while using the merchandise. You are able to purchase the merchandise at any time to obtain ownership of the merchandise.

Okinus Care Plus

We also offer an additional layer of protection when you add our Okinus Care Plus plan. With features including involuntary unemployment payment waiver, accident and sickness payment waiver, discount health and wellness services, and much, much more. Click here for details

What Our Customers Are Saying

Customer First, Always!

Don’t take it from us, check out what our customer’s are having to say!

I have used this company for at least the last 6-7 years as needed. Never have had a single issue! Will continue to use them, they make the process so easy. Approval is quick and any time I have called customer service not one issue has ever occurred and solved or answered at that moment!

– Royzetta Hayes

I called to pay off the items I purchased and was warmly greeted by Martha Avila! She was kind and friendly and very helpful. This company has been very helpful with furnishing my home! I greatly appreciate them.

– LaTosha

Walter Estrada provided excellent service in answering all my questions and creating a solution that matched my needs. He was courteous and listened very well, making me feel honored and valued as a customer.

– Dawnelle Hyland


Instant Approvals and High Amounts

Quick and Easy Solutions

Our online application is straightforward and quick to complete, and you’ll find out whether you’ve been approved in seconds. Getting the items you require has never been easier! So, if you need to finance furniture, appliances, electronics, mattresses, tires, and more, turn to Okinus! Fast, Flexible, and Friendly Solutions!


Fast, Flexible and Friendly Solutions

Get up to $8,000 Instantly!

Okinus does not provide conventional loans. Instead, we offer a consumer lease, which allows you to spread the cost of the item up to 24-months with easy payments. We also have the best terms in the industry, with a flexible repayment options. Do you require new tires for your vehicle? Or perhaps some new furniture for your expanding family? Don’t allow bad credit to get in the way of your dreams. Okinus is your go-to source for quick and simple lease-to-own solutions.


Do you have bad or no credit? We look beyond that!

The Power Of A Lease Purchase Contract

Okinus Credit Solutions utilizes a ‘lease-purchase contract’ rather than a traditional loan. Our proprietary system takes into consideration factors other than your credit score when deciding whether to approve or deny an application. This “No Credit Needed” approach means we do not affect your credit score negatively when you apply.  We can approve more candidates because of our patented decision approach, which looks beyond poor credit, no credit, and bankruptcy. We do, however, help to improve your credit by reporting on-time payments to Equifax and TransUnion. It is our goal to provide immediate help in obtaining needed consumer products while also helping re-establish credit.

What You Need, When You Need it!

Okinus Credit Solutions

Important Notice:

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