First State




Affordable Payment Options for Furniture, Appliances, Electronics, and More

At First State, we know you’re more than just a credit score. That’s why we make it easy to purchase the products you need with monthly payments you can afford. As a consumer-lease purchaser who partners with a wide variety of retailers in your area, First State provides straightforward, attainable payment options for the furniture, electronics, and appliances you need. All you have to do is apply.

Learn More About First State  
Low Payments
100-Day Cash Buy Out
6-Month Cash Buy Out
12-Month Cash Buy Out

No Credit

Our "We Say YES!" program means you don’t need credit to get approved. In fact, payment options on your purchase through First State can help you build credit.

Easy Approval

We make it easy to get approval to buy furniture, electronics, and more by providing fast approval when you fill out an application.

Monthly Payments

Our low-cost payments with no long-term commitments make it easy to stay on top of your monthly payments. Plus, we offer 100 Day, 6 Month and 12 Month Cash Buy-Out options.

We Say Yes!

First State’s “We Say YES!” program has helped thousands of consumers. We make it easy to apply and get approved for the merchandise you want. Whether you have bad credit, no credit, bankruptcy or you want to build your credit, working with First State makes the process simple.

See How We Can Help You  

Benefits for Retail Partners

Don’t lose your customers simply because they couldn’t get approved through your first source! First State makes it easy for your customers to arrange payment options for the merchandise they’re looking to buy, so you don’t lose a sale. Plus, we don’t discount our retail partners or make you jump through hoops to get the customer approved.

Become a Retail Partner