How it works
Three easy steps is all it takes to get the things you need.
Apply In Minutes
Fill out a fast application where we’ll ask you for some basic financial information.
Frequently asked questions
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.
How long does the approval process take?
Applications are considered right on the spot and approvals usually take less than 10 seconds.
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, credit history, length of employment, and verification of contact information.
How do I make payments?
West Creek accepts several payment methods, including bank account transfers and debit cards.
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.
†We do perform a credit check on the customer as a part of our application process. “No Credit Needed” does not imply no credit check. The program described is a rent-to-own (or lease-to-own) transaction. You will not own the leased merchandise or acquire ownership rights unless you make all scheduled payments or prepay in accordance with the lease. Details may vary from state to state. Program features are for eligible customers only. Consult your lease for complete terms and conditions.