Payment options for Appliances
Easy payment options so you can enjoy your appliances now! Financing available with no credit needed. Early payoff option available.
Pick out your appliance and see how easy it is to apply!
Can I pay off my items early?
How do I make payments?
West Creek will deduct your regularly scheduled payment from the bank account you choose.
How do you decide to approve a customer?
West Creek approves more than 80% of applications, which is above industry approval rates. At West Creek, we look at your application and cross-check the information you provide us with data providers and credit bureaus to determine if you get approved and the approval amount.
How long does the approval process take?
Applications are considered right on the spot and approvals usually take less than 10 seconds.
How much can I be approved for through West Creek?
Customers may be approved from $500 – $5,000. Amount of approval depends on factors including income, banking history, length of employment and verification of contact information.
If I don’t have a job, can I still apply?
Yes. West Creek encourages anyone to apply if you have an income from a reliable source such as Social Security, retirement or pension.
Is there an application or processing fee?
At the time of application, a small hold ($10-$40) will be placed on your debit card. This will process as your initial payment at the time of signing. If you choose not to proceed, this hold will be released.
What are the requirements for an approval with West Creek?
You must be 18 years of age or over, have a current bank account, a debit card and a monthly income of at least $1,000 from a reliable source such as a job or Social Security.
What if I have questions during the application process or after I’m approved?
We’re always happy to help. Please call West Creek at 844.937.8275 between 8:00 am and 9:00 pm ET Monday through Friday, or 8:00 am to 8:00 pm on Saturday.
What will my payment size be?
Your payment will be determined by your payment frequency and the cost of the item you are purchasing.
Can I make unscheduled payments, and what is the process?
You can make unscheduled payments at any time. In order to do so, you can contact our Customer Service Team at 844.937.8275 between 8:00 am and 9:00 pm ET Monday through Friday, or 8:00 am to 8:00 pm on Saturday, or click the sign in link in the navigation bar to visit your customer portal. Making additional payments does not eliminate your regularly scheduled payments.
Do you have a return policy?
Yes, you can contact our Customer Service Team at 844.937.8275 between 8:00 am and 9:00 pm ET Monday through Friday, or 8:00 am to 8:00 pm on Saturday for more information.