More than 43% of the people who leave your store without making a purchase do so because of credit issues. West Creek helps you capture those sales with no-credit-needed financing.
Why work with us?
- Additional financing options for your customers
- Repeat customers for your business
- Industry-best approval rates
- 24/7/365 dealer support
- 98% of calls are answered in 30 seconds or less by our U.S.-based team
- Expanded customer base
12- and 24-month financing for approved customers
Simple, fast and transparent
Once I become a West Creek retail partner, how soon can I start financing customers?
You can instantly start financing customers! To help you become more familiar with West Creek Financial, we offer free training sessions to help you better provide West Creek Financial to your customers. Once your store is approved you will also be given online login information for your retailer portal, which allows you to stay up to date on the status of your customers’ applications.
Are there any fees to sign up with West Creek?
No, there is no cost to enroll as a retail partner with West Creek Financial.
How much can my customers be approved for through West Creek?
Customers may be approved from $500.00 – $5,000.00. Amount of approval is dependent upon factors including income, banking history, length of employment and verification of contact information.
What types of merchandise does West Creek finance?
We finance durable goods such as furniture, appliances, mattresses, tires, HVAC and more.
What are my store’s obligations to the customer and West Creek?
There is no recourse to the retailer. To the best of your ability, correctly explain our financing plan and verify that all signing documents are correct and accurately signed and dated. Verify the identity of customers by checking photo ID. Once all of the final documents are signed, all the items have been delivered, and your account is funded, your obligation is limited to the customer service you would provide for repairs/servicing to all customers.
How can I become a retail partner with West Creek?
To apply with West Creek, call (844)238-6500. We will email a retailer application to be completed.
How does the process work?
Customers will fill out a short online application at your store. Around 80% of your customers will be instantly approved. Once we have the information from the invoice, customers sign the lease agreement electronically, in store, and the retailer provides West Creek Financial with its confirmation of delivery. Upon receiving confirmation of delivery, we will fund your account within 24-48 business hours.
How soon will my account be funded?
West Creek Financial will initiate funding your account within 24-48 hours after the customer receives the merchandise. Funding will be initiated on Mondays for all leases processed Saturday and Sunday. All leases received before 3:00 p.m. ET on a business day will have funding initiated that same day. Our funding department is open Monday-Friday.
Advanced technology meets superior service
West Creek’s desire to make a real difference in underserved financing touches everyone we work with from retailers and customers to employees and investors.
We use the latest in technology and artificial intelligence to give our dealer partners an edge for more approvals and increased sales. Plus, our fast and easy application and credit approval means customers can get what they want when they want it.
All of this is wrapped in our commitment to transparency and our dedication to superior service.