In-House Financing

Lacks extends in-house credit to customers who qualify. We offer installment contracts up to *48 months
Features:
In-house credit accounts
12-month to 48-month installment contracts
No interest credit accounts available for qualified applicants
 
Requirements:
Must be 18 years of age or older
Social security or Tax identification number
Valid picture identification
 
*48-month installment contracts available during limited times. See current offer.

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Lease-to-Own

If you’ve made mistakes that damaged your credit in the past, but are looking toward repairing it, we have two Lease-to-Own programs that may be a great fit for you.  

Progressive Finance
Features:
Lease amounts from $300 to $2,500
90 days same-as-cash
12-months max lease agreement
Low-initial down payment
 
Requirements:
Must be 18 years of age or older
Social security or Tax identification number
Valid Picture identification
Active checking account (90 Days)
Credit or Debit card

Zibby Finance
Features:
Lease amounts from $300 to $4,500
90 days same-as-cash
Lease agreements from 3 months to 36 months

Requirements:
Must be 18 years of age or older
Social security or Tax identification number
Valid picture identification
Credit or Debit card

Build-my-credit

Needing credit when you have little or no credit history is a difficult situation to be in, which is why we offer a build-my-credit solution. Like the name implies, our build-my-credit program facilitates building your credit for future purchases.

Features:
Purchases $499 to $5,000
3 to 6 month installment options for down payment

Requirements for $500-$2,500 purchases:
Must be 18 years of age or older
Social security or Tax identification number
Valid picture identification
50% down payment payable in 3 equal monthly installments

Requirements for $2,501-$5,000 purchases:
Must be 18 years of age or older
Social security or Tax identification number
Valid picture identification
50% down payment payable in 3 to 6 equal monthly installments