NO CREDIT NEEDED Option
A Payment Plan for Your Retail Customers
For clients who:
  •  Have 3 months consecutive income
  •  Have had a traditional checking account for 90 days
  •  Make over $1000 a month
Want financing NOW?
Apply in less time than it takes 
to drink a cup of coffee!
NO CREDIT NEEDED Financing
For clients who:
  •  Have 3 months consecutive income
  •  Have had a traditional checking account for 90 days
  •  Make over $1000 a month
Want financing NOW?
Apply in less time than it takes 
to drink a cup of coffee!
More Traffic
Get more business  with Joe's targeted campaigns that bring no-credit clients straight to your door.
More Buyers
Joe uses analytics to determine creditworthiness, so you get clients who wouldn't qualify on credit scores alone.
Repeat Business
End of lease doesn't have to mean end of relationship with Joe's strategic marketing to clients who've finished payment.
More Traffic
Get more business  with targeted campaigns that bring no-credit clients straight to your door.
More Buyers
We use analytics to determine creditworthiness, so you get clients who wouldn't qualify on credit scores alone.
Repeat Business
End of lease doesn't have to mean end of relationship with our strategic marketing to clients who've finished payment.
Program highlights
  •  0% fee to you
  •  Lease amounts up to $5000
  •  $50 initial payment
  •  90 day purchase option
  •  Web based portal and paperless process
  •  Approvals in seconds
  •  Credit reporting to Experian
Program highlights
  •  0% fee to you
  •  Lease amounts upto $5000
  •  $50 initial payment
  •  90 day cash option
  •  Web based portal
  •  Paperless process
  •  Approvals in seconds
  •  Credit reporting to Experian
Joe can add value in the following retail industries:
  •  Furniture & Mattress
  •  Wheels & Tires
  •  Household Appliances: Even Vacuums
  •  Computers & Mobile Electronics: Computers, laptops, drones, game consoles, cameras
  • Car Audio: Car stereos, alarms, speakers, tint & accessories
  •  Eyewear: For use in Optometrist locations
  •  Household Electronics: TVs, home stereos, electric pianos
  •  Jewelry: All Jewelry
  •  Auto Parts & Repairs
  •  Landscaping & Outdoor Goods: Patio furniture, statues, grills, canopies
  •  HVAC: Heating, AC, water heaters
  •  Recreational Goods: Kayaks, tents, bikes
  •  Storage Sheds: Storage sheds
  •  Musical Instruments: Band and orchestra instruments, pianos
  •  Power, Outdoor & Handheld Tools: Drills, saws, push & riding mowers, chainsaws
  •  Water Softeners & Water Filters: Water softeners and water filters
  •  Elective Medical: Hearing Aids
About Joe
With over 20 years of experience as a store/multi-unit operations manager, Joseph (Joe) Stepke has excelled when given an opportunity to build a cross-functional team and improve productivity and performance through superior customer service. He has a versatile background in store operations, strategic planning, staffing and managing personnel, sales forecasting, training and development, and budgeting. Having these past experiences has helped him in the career he is at now with Acima Credit.

Joe has been with Acima credit for almost 3 years and helped other retailers grow their business not just with the financing program, but with ideas on how to attract the customers that normally would not come into a retailer due to bad or no credit. Since he has worked with the “Big 3” in the Rent To Own Industry, he has seen a lot of customers that are in need of a No Credit Needed option.
About Joe
With over 20 years of experience as a store/multi-unit operations manager, Joseph (Joe) Stepke has excelled when given an opportunity to build a cross-functional team and improve productivity and performance through superior customer service. He has a versatile background in store operations, strategic planning, staffing and managing personnel, sales forecasting, training and development, and budgeting. Having these past experiences has helped him in the career he is at now with Acima Credit.

Joe has been with Acima credit for almost 3 years and helped other retailers grow their business not just with the financing program, but with ideas on how to attract the customers that normally would not come into a retailer due to bad or no credit. Since he has worked with the “Big 3” in the Rent To Own Industry, he has seen a lot of customers that are in need of a No Credit Needed option.
Connect with Joe
Contact Joe
615-775-1597 
 joseph.stepke@acimacredit.com
Contact Joe
615-775-1597 
 joseph.stepke@acimacredit.com
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