For consumers
Consumer questions and answers
Find clear next steps for applying, shopping, making payments, and reaching Okinus support.
What items can I shop for?
If approved, you can use your available amount for eligible furniture, appliances, and electronics at participating retail partners. Selection varies by retailer.
Explore the consumer experience →How do I apply?
Use the official Okinus application portal linked from this website. Your application result provides the information relevant to you.
Open the application portal →What do I need to apply?
You must be at least 18 years old and have a valid checking account to apply. Completing an application does not guarantee approval.
Open the application portal →How much can I be approved for?
Apply for up to $8,000. Approval amounts vary, and not all applicants are approved.
See how it works →How do I find a participating retailer?
Use chat or call 800-472-1334 for assistance connecting with a participating retailer.
Get retailer assistance →Where do I make a payment or access my account?
Use the MyOkinus customer portal. Account access and payments are handled through that external service.
Open MyOkinus →Where can I ask about my agreement or purchase options?
Call 800-472-1334 for help with the appropriate support path. Your agreement explains the terms and options that apply to you.
Contact customer care →Can I purchase my leased merchandise early?
Okinus offers early purchase options. Contact customer care by phone or chat to arrange an option and confirm the amount, deadline, and steps that apply to your agreement. Signing a lease does not automatically enroll you in an early purchase option.
Ask about purchase options →How can I get a copy of my lease agreement?
A copy is emailed to the address you provided after signing. You can also call 800-472-1334 to request a copy.
Contact customer care →How is my payment amount determined?
Your payment depends on the merchandise cash price, payment frequency, and lease terms. Review the payment amount and schedule before signing your agreement.
Learn how it works →How do I request a due-date change?
Call 800-472-1334 five to seven business days before your current due date to discuss a change.
Contact customer care →Where can I learn about Okinus Care Plus?
Visit the Care Plus page for payment-waiver benefits, member discounts, state availability, plan disclosures, and enrollment assistance. Care Plus benefits are not insurance.
Explore Care Plus →When can I reach Okinus?
Our published hours are Monday–Friday, 9:00 a.m.–6:00 p.m. ET, and Saturday, 9:00 a.m.–5:00 p.m. ET. We are closed Sunday.
See contact details →Where do I find home-improvement information?
Home-improvement offerings are presented separately through our sister company, Breeze Lease Purchase.
Visit Breeze Lease Purchase →Still have questions? Contact Okinus.