Apply
Complete the application on the verified Okinus application portal.
How it works
Lease-purchase, explained.
Bring home eligible furniture, appliances, or electronics through a lease with a path to ownership. Understand the costs and options before you sign.
How does a lease-purchase agreement work?
If approved, you select eligible merchandise from a participating retailer. Okinus purchases the merchandise and leases it to you, and you make the scheduled payments in your agreement.
Okinus owns the merchandise during the lease. You become the owner by completing the required payments or using an available early purchase option. The total cost of lease-purchase is higher than the merchandise cash price. Your agreement explains the payment schedule, total cost, and ownership terms that apply to you.
Early purchase options are available. Contact Okinus to confirm the amount, deadline, and steps for your agreement; signing a lease does not automatically enroll you in an early purchase option.
Have more questions? Use the chat button or call our office at 800-472-1334. Our team can explain the process and help you understand your options.
Shop
Review your application result. If approved, select eligible furniture, appliances, or electronics at a participating retailer. Use chat or call our office if you need help finding one.
Review your payments and terms
Before signing, review the payment amount and schedule, total cost, early purchase options, and ownership terms for your selected merchandise. Ask us about anything you do not understand.
Begin your lease
After you review and sign your agreement, arrange to receive your merchandise through the retailer and make payments according to your lease schedule.
Available amount
Apply for up to $8,000.
Approval amounts vary. Not all applicants are approved. Your application result provides the information relevant to you.