FINANCING OPTIONS AVAILABLE WITH
Contact an OABF representative for more details
Give yourself some credit, you're more than a three-digit score! We've partnered with Acima Credit to offer affordable financing without checking credit scores and approval is based on three criteria: your average monthly income, your checking account history, and your employment history. Here's how it works:
1. YOU APPLY
. This can be done from this page by clicking HERE TO APPLY
2. We APPROVE
. Our approval process is fast and friendly.
3. YOU SHOP
. Find the item that you're looking for. Please check out "cash on delivery" with a note to use your Acima Credit Line. Please call or text us at 760-295-3234 or email [email protected]
for a quote on your payment plan.
4. WE FINANCE
. Make minimum payments for a year or pay it off early in 90 Days
for the "Same as Cash" option (please note that Acima adds a $10 processing fee to your loan balance if you opt to pay 90 days same as cash and requires a $50 buy-in fee as a down payment to initiate the contract, these charges are separate from the furniture order and billed directly by Acima).
What do I need to qualify?
- US government-issued photo ID
- Three months of history with your current employer or current source of income.
- Deposits totaling at least $1,000 per month into a checking account that has been open for 90 days or more.
- No NSFs, excessive overdrafts, or negative balances on your current checking account.
How much can I be approved for?
Up to $3,500.
How do I make my payments?
Once you’ve made your initial payment at the office or with an On A Budget Furniture representative, future payments are automatically deducted directly from your checking account. When do my payments begin? Once delivery has been confirmed and you are in possession of your merchandise, your first lease payment will be scheduled to fall in line with your next pay date.
Can I apply with a co-applicant?
Yes! The online application allows for a co-applicant.
What if I have more than one source of income?
No problem. The online application allows for more than one income source to be included.
What are my pay off or early purchase options?
- 90 days same as cash option would be the price + $10 payment processing fee
- Early Buyout Option allows you to pay a discounted portion (usually 75% of the remaining payments owed) in one lump sum at any time after the first 90 days of the agreement.
- 12-Month payment plans allows you to pay off the balance over a 12-month term without penalties.
When will I own the merchandise?
You own the property once you have met any of the above early pay off options, or once you have made the regularly scheduled payments during the 12-month term.
How much will this cost me?
The cost to acquire ownership depends on whether or not you exercise one of the early buyout options. There is a $50 buy-in fee as a down payment to initiate the contract, these charges are separate from the furniture order and billed directly by Acima The 90-Day Option will cost $10 that is added to your total balance with Acima Financing. The Early Buyout Option allows you to pay a discounted portion (usually 75% of the remaining payments owed) in one lump sum at any time after the first 90 days of the agreement. If you choose to pay off the lease over the 12-month payment plan term you will pay approximately two times the invoice amount.
Will this get reported to the credit bureau?
We now report to Experian!
$350 - $4,000 Approvals
12 and 24 Month Terms
90 Days No Interest Option (EasyPay charges a $40 processing fee for this option, which will be included in the contract)
Instant Online Approvals
No Paystubs or Bank Statements Required
Submit Applications via Fax, Phone or Online
Same Day Funding
$350 minimum purchase required
YOU SHOP. Find the items that you're looking for. Please check out "cash on delivery" with a note to use your EasyPay Credit Line. Please call or text us at 760-295-3234 or email [email protected] for a quote on your payment plan.
US government-issued photo ID required
Check out using PayPal Credit
On A Budget Furniture uses a SSL authenticated payment channel through which all your purchases are protected from fraud.
You can be absolutely safe with the following payment options which most online businesses rely upon.
We accept Visa/Mastercard/American Express/Discover/Paypal
Cash on Delivery
We can accept orders and accept cash upon delivery. Please contact an OABF representative for more details or choose "Cash on Delivery" option at checkout.