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No Credit Needed Finance Options
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Do you have less than perfect Credit, or maybe you just don't want to run your credit at this time? Whatever your reason may be, we have options like these that have absolutely no impact on your credit!


We understand the economy has been tough on a lot of people. No Credit, Bad Credit, been there done that and got the t-shirt to prove it. That’s why we have been a leader in no credit check financing for years! Lots of people offer No Credit Needed but most over charge and don’t really care about their customers, we do. With our program you have a 90 Day Same as Cash option!

You must satisfy the following requirements to receive No Credit Check Financing.

  • Must have a checking account that has been open for at least THREE months.

  • No NSFs and no more than 5 protected overdrafts in the last 30 days.

If you qualify based on the above requirements, please provide the documents listed below to verify the information given on the application. 

Approval Process

1. Verify CHECKING ACCOUNT REQUIREMENTS with a 30 day bank statement that shows:

  • No NSFs & no more than 5 protected overdrafts

  • Account open for 3 months

  • Does not end with a negative balance.

2. PHOTO I.D. REQUIRED (may send to





Reasons to Use West Creek:

1. If you receive auto deposits to a pay card this would be your best option to start with.

2. No Credit Needed Provider

For any further questions contact 903-892-0403 during business hours and ask for Amber B or Mark Guill.



We are proud to offer our customers online Lay-A-Way to make it easy for you to buy the furniture that you want by paying for them through manageable installment payments. The program allows you to break down your order’s purchase price over a number of payments that you set. Use our Lay-A-Way to plan and budget for all of your home furnishing purchases!

All you have to do to sign up is create a FREE account by clicking HERE and you are ready to go! When you shop in our Online Showroom, you can then make use of the Lay-A-Way button that you will see next to every product!

For FAQs, click here

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