12 months promotional financing on qualifying purchases of $1,200+ · 6 months on $199+ · issued by Comenity Capital Bank.
No credit score needed to apply. Payment plans built for real life — approval looks at more than a FICO number.
Decision in seconds. Lease-to-own financing from $300 to $5,000 — no credit needed to apply.
*All financing subject to credit approval; terms, conditions, and eligibility requirements apply. Midas Credit Card promotional financing is deferred-interest: interest is charged from the purchase date if the balance is not paid in full within the promotional period. American First Finance and Snap Finance approval decisions may use consumer-reporting data even where no minimum credit score is required; not all applicants are approved, and lease-to-own or installment plans include finance charges — review your agreement's total cost and early-payoff options before signing. Ask any of our shops for details.
Apply from your phone, then grab a time at your nearest shop.
You still have options. Both American First Finance and Snap Finance are designed for imperfect credit — no credit score is needed to apply, and approval decisions consider more than a FICO number. Snap approves amounts from $300 to $5,000.
Qualifying purchases of $1,200 or more get 12 months of promotional financing; purchases of $199+ get 6 months. Pay the balance in full within the promotional period and you pay no interest — if not, interest is charged from the purchase date. You can check eligibility with a soft inquiry that won't affect your credit score.
Yes — all three options let you apply online in minutes from your phone. Come in with your approval ready, or ask at the counter and we'll walk you through it.
A quick guide: bigger repair and you want interest-free time to pay → Midas Credit Card. Credit still building → American First Finance or Snap Finance, which look beyond your credit score. Not sure? Ask us — we help customers pick every day.