Why partner with
West Creek?

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In today’s market, underserved consumers often find it difficult to get financing due to traditional banks and financing companies tightening their credit requirements. Consequently, more than 43% of those who currently leave stores without making a purchase do so because of credit.

West Creek drives more sales.

When retailers use financing through West Creek, customers are able to purchase exactly what they want with a low regular payment to pay for their purchase over time.

How do we do this?

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Advanced technology

West Creek’s analytical approach using data-driven artificial intelligence (AI) and large data sets is more sophisticated than other lease-to-own companies resulting in more approvals and sales. And our proprietary algorithms can be used across a range of categories including furniture, appliances, tires, mattresses, HVAC and more.

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Superior service

West Creek’s representatives will train your sales associates on our technology to help them close more sales quickly and easily. We can also help your sales associates understand how and when to offer a lease-purchase option. West Creek will even proactively call dealers when we believe it will help sales associates close a sale.

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Easy to use interface

Our easy-to-use retail interface lets customers apply in the store through our simple online application process. In fact, 80% of West Creek customers are satisfied with their experience. Plus, our user-friendly application makes it easy for your sales reps to navigate with customers so they can close sales more quickly.

Let us help you increase traffic and sales

Retail and dealer partners find working with West Creek means more than just advanced technology and convenient financing. We provide “No Credit Needed” financing messaging and resources for your store or website that helps you bring in additional traffic and make more sales. You’ll also see higher conversions with West Creek’s higher application approvals and increased ticket amounts thanks to higher credit limits.


Unparalleled dealer support

West Creek’s Dealer Team offers dedicated support that’s there when you need it. Our experts can help you 24/7/365 with any questions or issues you might have. And, more than 97% of our calls are answered within 30 seconds so you don’t waste valuable time on hold. Instead, West Creek helps you find a solution fast so you can get back to business.

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Reach your customers and impact your numbers with help from our Sales Team

The West Creek Sales Team goes beyond simply teaching you about our products and using our portal. Our expertise in the sales process, along with our proprietary technology, will help grow your business and create more repeat customers for the future.

Our Sales Team can help when it comes to improving traffic, creating conversions and increasing your average ticket. We understand the nuances of a sales floor and can develop a plan so that your associates know the best way to explain West Creek financing options to your customers.


Customer service calls answered in 10 seconds or less

West Creek knows that your customers matter. So, we treat them just like we would want to be treated. That means answering 97% of customer calls in ten seconds or less, finding the best solutions for their questions, and ensuring transparency at every turn. Our professional customer service reps answer calls from 9:00 a.m. - 5:30 p.m. Eastern, Monday through Friday.

Benefits to your business


  • Additional financing options for your customers
  • Increased number of sales for you
  • Repeat customers for your business
  • 80% approval rate of applicants
  • Expanded customer base (35% of U.S. consumers are underserved due to credit)
  • Edge over competitors who don’t offer no-credit financing

What our partners are saying

"It's a great opportunity for our guests that are unable to pay upfront and are turned down from traditional finance companies." – Lila
"Since signing up with West Creek we have doubled our sales. It has allowed us to advertise cheaper payments than the others. Quick approvals and high approval amounts. Funding is fast and a breeze." – Jeff Allen, Owner, Discounted Appliance Warehouse, Pickens, SC
"We love using West Creek to help save the sale. It is such a quick and easy process, and our customers are able to get what they want when they want it." – Rob Crawford, Owner, Maxx Drive, Shelby, NC
"Our customers and sales staff, love the painless approval process! They have been a great partner for our business." – Theresa A. @ Home Furnishings, Iowa
"We love the advanced technology! Its very convenient to have the ability to text and email the customer the application to fill out for approval! It makes our professionals appear that much more professional!" – Brittany