Financing With Us

  1. Can I pay off my lease or loan early?

    Yes! You may pay your lease or loan off at any time. Pay early and save.

  2. How do I make payments?

    West Creek accepts several payment methods, including bank account transfers and debit cards.

  3. How do you decide to approve a customer?

    West Creek has industry-leading approval rates. We understand that you are more than just your credit score. We look at your application and cross-check the information you provide us with data providers and credit bureaus to determine if you get approved and the approval amount.

  4. How long does the approval process take?

    Applications are considered right on the spot and approvals usually take less than 10 seconds.

  5. How much can I be approved for through West Creek?

    Qualifying customers may be approved for up to $10,000 in loan funding or $7,500 in lease-to-own funding. The amount of approval depends on factors including income, banking history, length of employment, and verification of contact information.

  6. If I don’t have a job, can I still apply?

    Yes. West Creek encourages anyone to apply if you have an income from a reliable source such as retirement or pension.

  7. Is there an application or processing fee?

    There is not an application fee associated with our loan product. For our lease-to-own product, at the time of application, a small hold of $59 or less will be placed on your debit card. This will process as your initial payment at the time of signing. If you choose not to proceed, this hold will be released.

  8. What if I have questions during the application process or after I’m approved?

    We’re always happy to help. Please call West Creek at 844.937.8275 between 8:00 am and 9:00 pm ET Monday through Friday, or 8:00 am to 8:00 pm on Saturday.

  9. What will my payment size be?

    Your payment will be determined by your payment frequency and the amount of your loan or lease-to-own financing.

  10. Can I make unscheduled payments, and what is the process?

    You can make unscheduled payments at any time. In order to do so, you can contact our Customer Service Team at 844.937.8275 between 8:00 am and 9:00 pm ET Monday through Friday, or 8:00 am to 8:00 pm on Saturday, or click the sign in link in the navigation bar to visit your customer portal. Making additional payments does not eliminate your regularly scheduled payments.

  11. Do you have a return policy?

    Yes, you can contact our Customer Service Team at 844.937.8275 between 8:00 am and 9:00 pm ET Monday through Friday, or 8:00 am to 8:00 pm on Saturday for more information.

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