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Kornerstone Credit

Kornerstone Credit is a new technology-driven consumer financing company launched in May 2018. Founded by 100+ team of leading industry veterans, technology experts, and financing professionals, Kornerstone Credit is one of the fastest growing companies in the lease-to-own industry.


We believe today’s consumers, with changing purchasing habits and lifestyle, can no longer be defined by standard credit scores and financing options. Through our partnership with our retailers and by utilizing the latest technology and advanced data analytics, Kornerstone Credit offers a unique purchase option that fits individual needs. No matter your credit history you can still get approved for up to $5,000. You are able to make affordable payments over time or take advantage of an early buyout discount.
We want it to work for you and your schedule. 

To Qualify:

• 90 days of history with your current employer

• Deposits totaling at least $1,000 per month

• Current bank account that allows ACH drafts, been open for at least 90 days, with no NFSs, excessive overdrafts, or negative balances

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Acima

Acima, Founded in March 2013, provides a flexible and creative alternative to traditional consumer lending. Our No-Credit-Needed lease program provides a lease option where eligibility is not based solely on credit, so you can take home what you need today. You can be approved for leasable items valued at $500 to $5,000.


Acima’s lease-purchase program (sometimes called rental-purchase) offers an option for you to pick out the merchandise you need and take it home today. And you don’t have to make a big upfront payment or a long-term commitment.

Upon lease approval, you pick out the merchandise you want, and Acima purchases the merchandise from the participating merchant location. The property is owned by Acima and rented to you until you elect to complete all of the lease renewal payments, or use an early purchase option. After that, you own the merchandise! Alternatively, you may also terminate the lease at any time, without penalty.

To Qualify:

• US government-issued photo ID and SS# or ITIN#.
• 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.

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Square

Square Installments is brought to you through Square Capital, a subsidiary of Square. You know Square as the little white credit card reader that plugs into a smartphone so your favorite food truck or boutique can accept payments on the go. Square is used by millions of small and large businesses across the U.S. 

With Square Installments, you can make monthly payments with rates from 0 - 30% APR.* A soft credit check is performed to verify your identity and determine if you are eligible. This soft credit check will not affect your credit score. If you meet this criteria and continue with the application process, then your Experian credit report will include an inquiry from Square Capital, which could affect your credit score.

To Qualify:

• US government-issued photo ID and Social Security Number. 

• Be a U.S. citizen or permanent resident.

• Valid U.S. non-prepaid debit card

• Be at least 18 years old.