Largest Selection of America's Favorite Ashley Furniture in the State of Michigan
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Credit & Financing

Lapeer offers many options for you to buy the furniture you want today. Can't get approved through traditional sources? Don't give up! Lapeer Furniture provides you all the options you need to help you get the furniture you deserve. Apply online or visit our store today for more details.


APPLY NOW

Get the purchasing power you need so you can buy what you want today. Click on the link above or stop into our store and apply for the financing option that best meets your needs.

  • Quick and simple application process
  • Instant credit decisions
  • NO CREDIT CHECK programs available

FINANCING PROGRAMS AVAILABLE*

Options:

  1. Regular Revolving Charge: This plan requires no minimum purchase and allows you to pay low minimum monthly payments (equal to 4 % of amount due) on the months you want and pay extra when you can. You can also receive an open credit account balance that can be for future purchases. This finance option may also be combined with any other promotion or special offer.*

  2. 6 Months 0% APR.: This plan charges No Interest Charges as long as you make 5 minimum payments (equal to 4% of amount due) and pay the entire balance due on the 6th payment. A minimum purchase of $99.00 is required. Restrictions & Exclusions Apply. See Store for Details.*

  3. 12 Months 0% APR.: This plan charges No Interest Charges as long as you make 12 minimum payments (equal to 4% of amount due) and pay the entire balance due on the 12th payment. A minimum purchase of $300.00 is required.** Restrictions & Exclusions Apply. See Store for Details.*

  4. 18 Months O% APR.: This plan charges No Interest Charges as long as you make 18 equal payments A minimum purchase of $450.00 is required.*** Restrictions & Exclusions Apply. See Store for Details.**

  5. 24 Months 9.99% APR.: This plan charges a low fixed rate of 9.99% As long as you make 24 fixed mthly payments no minimum purchase required.** Restrictions & Exclusions Apply. See Store for Details.**

  6. 36 Months 9.99% APR.: This plan charges a low fixed rate of 9.99% As long as you make 24 fixed mthly payments no minimum purchase required.** Restrictions & Exclusions Apply. See Store for Details.**

  7. 48 Months 9.99% APR.: This plan charges a low fixed rate of 9.99% As long as you make 24 fixed mthly payments no minimum purchase required.** Restrictions & Exclusions Apply. See Store for Details.**

  8. 60 Months 9.99% APR.: This plan charges a low fixed rate of 9.99% As long as you make 24 fixed mthly payments no minimum purchase required.** Restrictions & Exclusions Apply. See Store for Details.**

*Credit Approval required. Deposit required equal to sales tax & delivery charge. Restrictions apply. See store for details.

**Excludes Clearance Items

Please see store for terms & conditions.


APPLY NOW

After submitting the Verification form Please call (855-552-7378) for authorization or further instructions

NO CREDIT SCORE NEEDED

Are tired of being turned down for Financing? Do have less than perfect credit due to medical costs or previous loss of employment? Have you given up on owning new furniture because you don’t qualify for other stores “special financing offers”?

Crest Financial is a “No Credit Score Needed” multiple finance solution for you, which offers $5,000 maximum approvals. Crest auto-approves 70% of applicants without additional paperwork and 90% of all customers. With only $40 down, you will know within minutes if you qualify and can buy furniture today!

3 EASY WAYS TO PAY

90 Day Buyout Option

Platinum Plan:

  • Customer pays the financed amount plus a lease fee of 5.3% per month for the first 90 days

* 30 and 60 day buyout options also available

12 Month Financing: Low Monthly Payments

Platinum Plan:

  • Minimum payments of 16.5% payable monthly, semi-monthly, weekly, bi-weekly

Early Purchase Amount

After the 91st day, you will receive a 35% - 40% discount off your remaining balance if paid in full.

Here are the Requirements:

  • Must have an open Checking Account that has been active for the last Three months
  • No NSF’s or excessive overdrafts
  • Must show at least $500 deposited a month and have at least five transactions to be considered active.
  • Must be employed for the past Six months at the same job or within the same industry (no temp service)
  • Must gross More than $1000 per month

If above Requirements are met, please contact store for additional information.


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Our Programs

We provide competitive pricing which allows you an affordable option to get the quality furniture of your choice.

You just select the furniture you want, sign the lease-purchase documents and pay the initial periodic lease payment at our store. you can enjoy use of the furniture upon delivery with no further lease payment due until your next regular pay period. Thereafter, all periodic lease payments, through the term of the lease program, are automatically drafted from your bank account to align with your pay period. Upon completion of the lease term, ownership of the furniture is then transferred to you the customer.

The link below provides examples of actual periodic lease payments for each of our 12 and 18 month Programs. The periodic lease payments will be either bi-weekly (for those customers who get paid every 14 days) or monthly (for those customers who are paid monthly, including SSA benefits and pension payments).

Periodic Lease Payment Table
Twelve Month PlansEighteen Month Plans
PURCHASE PRICE Bi-Weekly Payments Monthly Payments Bi-Weekly Payments Monthly Payments
$ 400.00 $ 31.28 $ 67.75 $ 27.87 $ 60.40
$ 500.00 $ 39.10 $ 84.71 $ 34.84 $ 75.49
$ 600.00 $ 46.92 $ 101.65 $ 41.81 $ 90.59
$ 700.00 $ 54.73 $ 118.59 $ 48.78 $ 105.69
$ 800.00 $ 62.55 $ 135.53 $ 55.75 $ 120.79
$ 900.00 $ 70.37 $ 152.48 $ 62.72 $ 135.89
$ 1,000.00 $ 78.19 $ 169.42 $ 69.69 $ 150.99
$ 1,100.00 $ 86.01 $ 186.36 $ 76.66 $ 166.09
$ 1,200.00 $ 93.83 $ 203.30 $ 83.62 $ 181.19
$ 1,300.00 $ 101.65 $ 220.24 $ 90.59 $ 196.29
$ 1,400.00 $ 109.47 $ 237.18 $ 97.56 $ 211.38
$ 1,500.00 $ 117.29 $ 254.13 $ 104.53 $ 226.48
$ 1,600.00 $ 125.11 $ 271.07 $ 111.50 $ 241.58
$ 1,700.00 $ 132.93 $ 288.01 $ 118.47 $ 256.68
$ 1,800.00 $ 140.75 $ 304.95 $ 125.44 $ 271.78
$ 1,900.00 $ 148.57 $ 321.89 $ 132.41 $ 286.88
$ 2,000.00 $ 156.38 $ 338.83 $ 139.37 $ 301.98
$ 2,100.00 $ 164.20 $ 355.78 $ 146.34 $ 317.08
$ 2,200.00 $ 172.02 $ 372.72 $ 153.31 $ 332.18
$ 2,300.00 $ 179.84 $ 389.66 $ 160.28 $ 347.27
$ 2,400.00 $ 187.66 $ 406.60 $ 167.25 $ 362.37
$ 2,500.00 $ 195.48 $ 423.54 $ 174.22 $ 377.47
$ 2,600.00 $ 203.30 $ 440.48 $ 181.19 $ 392.57
$ 2,700.00 $ 211.12 $ 457.43 $ 188.16 $ 407.67
$ 2,800.00 $ 218.94 $ 474.37 $ 195.12 $ 422.77
$ 2,900.00 $ 226.76 $ 491.31 $ 202.09 $ 437.87
$ 3,000.00 $ 234.58 $ 508.25 $ 209.06 $ 452.97

WhyNotLeaseIt™

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Who is WhyNotLeaseIt™?

WhyNotLeaseIt is a fully online company offering merchandise leasing. Transactions with WhyNotLeaseIt are confidential, secure and compliant with all Federal Consumer Leasing laws.

What are the minimum requirements to apply for the WhyNotLeaseIt program?

Photo ID showing at least 18 years old
Minimum monthly income of $1,000
Valid Social Security Number or Taxpayer Identification Number (TIN)
Electronic form of payment

How does the WhyNotLeaseIt program work?

Before your lease is created:

You can apply at any of our partner stores which can be found on the Store Locator portion of www.whynotleaseit.com Once you are approved, you will receive an approval code. Your approval code allows our partner stores to access your approval through our leasing site. You pick out the products you want and a trained sales associate will walk you through setting up your lease agreement.

After you have finalized your lease:

Once you have signed your lease, WhyNotLeaseIt will process your first payment in the store and you will receive your merchandise once that payment has cleared. You will continue to make periodic payments on the merchandise through the five month minimum term to WhyNotLeaseIt from the account provided. Once you have reached the minimum term, you have three options:
You may take ownership of your leased merchandise by making the purchase payment which is a percent age of the depreciated value of the merchandise. Once the purchase is complete, you will receive proof of ownership from WhyNotLeaseIt. Customers in MN, NJ, and WI must contact WhyNotLeaseIt to negotiate the purchase of the leased item(s).
You may continue to lease the merchandise by making a periodic payment on the same schedule.
You may return the merchandise to WhyNotLeaseIt

If I was approved but never created a lease, can I still use my approval code?

Yes. Approval codes expire after 30 days, but approvals can easily be reactivated by calling 1.888.949.6680 to renew the approval code. There is no need to reapply.

Is this a rent-to-own program?

No, this is a leasing program. By signing our lease contract you obligate yourself to lease your items for 5 months. Once you have completed your initial lease term you have the three options described above. This allows us to offer you lower monthly payments and a lower cost to own than Rent-to-Own companies.

Can I enter a P.O. Box for my address?

No. The physical address where the merchandise will be located is required.

If I don’t have a job can I still apply?

Yes! We accept alternative forms of income such as Social Security, Retirement, Pension and Self-Employment. In some cases, additional information may be required to verify income. If you think your income may not qualify, please email us at info@whynotleaseit.com or call us at 1.888.Why.Not.0.

Can I apply if I have bad credit or have filed for bankruptcy?

Yes! Approvals are not affected by bad credit, lack of credit, or previous bankruptcies so long as all bankruptcies have been dismissed or discharged.
*Important note: it is criminal fraud to lie about your bankruptcy status.

Do I make my payments at the store?

The first payment is made in-store to WhyNotLeaseIt. The remaining payments are auto-deducted from the account you listed as preferred on your application. Payments will process on the dates listed on your lease payment schedule. If you would like to update your payment method please visit the Customer Service Center.

Can I purchase my leased items?

After you have met the 5-month minimum term requirement, you can purchase the merchandise from WhyNotLeaseIt. The purchase amount is a percentage of the depreciated value of the merchandise. Customers in MN, NJ, and WI must contact WhyNotLeaseIt to negotiate the purchase of the leased item(s). Once the purchase is complete, you will receive proof of ownership from WhyNotLeaseIt.

Can I return the merchandise to WhyNotLeaseIt before the 5 month minimum term is met?

Signing your lease obligates you to the 5 month minimum term and the associated payments


Lay-A-Way Policy

  • Time limit of 12 months from date of purchase
  • No additional charge for lay a way
  • Down payment required
  • Monthly payments are required
  • Price hold guarantee
  • We cannot guarantee availability / items can be discontinued at any time.
  • Cancellation of lay-a-way will result in a store credit only / there are no cash refunds for cancelled lay-a-ways
  • No activity for a period of 60 days will result in a cancellation of the lay-a-way sale and forfeiture of deposit/retainer.

Cancellation Policy:

Cancellation of Lay-A-Way will result in a store credit only/there are no cash refunds for cancelled Lay-A-Ways.

*No Credit Approval required.>

Some restrictions may apply see store for details.

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