Credda Can Help.
- 1 We make the purchase
- 2 You make the payments
- 3 The item is yours forever
Approval in Under Five Minutes
Take Your Items Home Today
Not Your Grandaddy's Financing
Hereâs how our leases work: even though Credda owns your purchase initially, you take your items home with you. Once your lease is paid off, you take full ownership and Credda is out of the picture.
Not an In-Store Credit Card
Credda gives you one simple lease tied to a single purchase. Once itâs paid off, your lease is done and your purchase is just that â yours. You can also return the item to us at any time with no additional obligation.
No Compounding Interest
Instead of charging interest like credit card companies do, Credda simply adds a markup to the initial price of your purchase. Once you start making payments, your balance can only go one direction: down.
in Five Minutes or Less
Fill out an application online. Itâs short, simple, and youâll get an approval decision in just a few minutes.
Choose your lease terms: initial payment amount, how often you make your payments, stuff like that.
Show your ID to the store and make your initial payment.
Take your stuff home!
And Donât forget -Â Once Your Purchase is Paid Off, itâs Yours for Good!
Even More Proof That We've Got Your Back
No Big "Gotcha" Fees
A late or bounced payment will cost you at most $10.
Early Payoff Discount
Pay off your lease early for a discount, not a single question asked.
Approval in Minutes
Over 99% of all Credda applications are decisioned in a few seconds.