Financing at Bubba's

Get what you need today — pay over time. No hidden fees.

1

Pick Your Plan

Choose the option below that fits your purchase.

2

Apply & Get Approved

Short online application. Most approvals are instant.

3

Complete Your Order

Use your approval at checkout and schedule delivery.

Choose the Option That Fits You

Progressive Leasing›

Best for: No Credit Needed

Initial Payment: $49 + tax

Term: 12 months

Early Purchase Option: 90 days

How It Works: Standard agreement offers 12 months to ownership. 90-day and other early purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early, or to cancel lease and schedule return of merchandise, you must call 877-898-1970. Retailer cannot activate early purchase options.

Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer’s cash price. Select items only. At anytime, you may purchase early or return merchandise and cancel lease. Not available in MN, NJ, WI.

No Credit Needed: Progressive Leasing obtains information from credit bureaus, but a credit history is not required. Not all applicants are approved.

The initial payment (plus tax) is charged at lease signing. Remaining lease payments will be calculated upon item selection.

Apply with Progressive

Acima›

Best for: No Credit Needed

Initial Payment: $25

Term: 12 months

Early Purchase Option: 90 days

How it works: Lease-to-own with the lowest initial payment. No credit needed. 90-day early purchase option available, or spread payments over 12 months.

Apply with Acima

Koalifi›

Best for: No Credit Needed

Initial Payment: $50

Term: 12–24 months

Early Purchase Option: 100 days

How it works: Lease-to-own with the longest early purchase window. 100-day early purchase option available. No credit needed. Reports to TransUnion so on-time payments can help build your credit.

Apply with Koalifi

Synchrony›

Best for: Good credit / larger purchases

Down Payment: None

Term: 6–60 months

Promo: 0% interest promotional periods available

How it works: Traditional credit financing. If you have good credit, Synchrony offers the best terms — 0% interest promos on qualifying purchases. Subject to credit approval.

Apply with Synchrony

Compare at a Glance

Provider Best For Initial Payment /
Down Payment		 Term Early Purchase Options /
No Interest
Progressive No credit needed $49 12 months 90-day early purchase option
Acima No credit needed $25 12 months 90 days
Koalifi No credit needed $50 12–24 months 100 days
Synchrony Good credit $0 6–60 months Promo periods

All lease-to-own options require a valid checking account from a traditional bank. Online-only banks and prepaid cards are not accepted.

Frequently Asked Questions

Do I need a credit check to qualify?›
Progressive, Acima, and Koalifi do not require a credit history to apply. Progressive Leasing obtains information from credit bureaus, but a credit history is not required — not all applicants are approved. Synchrony requires a standard credit check.
How do I apply?›
You can apply online or in-store. Most approvals come back in seconds. Just pick the provider you want, fill out a short application, and you will know your approval amount right away.
What about early purchase options?›
All lease-to-own providers offer early purchase options. Progressive offers a 90-day option, Acima offers 90 days, and Koalifi offers 100 days. Purchasing early reduces your total cost. Lease-to-own costs more than the retailer’s cash price.
Will this affect my credit?›
Progressive and Acima do not report to credit bureaus. Koalifi reports to TransUnion, which can help build your credit with on-time payments. Synchrony reports to all major bureaus.
What do I need to apply?›
A valid ID, a checking account at a traditional bank with direct deposits, and your Social Security number. Synchrony requires a standard credit application.
Can I use lease-to-own on any product?›
Select items are available for lease-to-own. Financing is available on most items we carry — sectionals, sofas, mattresses, bedroom sets, dining, outdoor, and more.

Questions? We will walk you through it.

(502) 494-0376

Call or text anytime during business hours