We at La Hacienda offer multiple financing options to facilitate your purchase. Get started by easily applying online and getting pre-approved. Regardless of past credit history, no credit, or rebuilding credit we have the right financing solution for everyone.
Learn more below about our financing options.

Requirements for approval:
1) Active Checking Account     
2) $1000 verifiable income per month (if you get paid in cash, this is okay)     
3) SSN or ITIN
4) ID or Passport or Matricula | Consular

Snap Finance provides easy financing. Even if you have no credit or your credit is bad, Snap is a great way to finance the things you need. Snap finance is not like a traditional loan, but a consumer lease that spreads out your purchase into easy payments over a 12-18 month period.

  • 12-month payback
  • Interest-free 100-Day Cash Payoff
  • Up to $3000
  • $39 down


Employed by the same employer for at least 6 months.
Active checking account
Steady source of income


Snap Finance - Apply Here 

If you are in the process of rebuilding your credit and would rather not have your credit checked than Progressive Financing can be a good option to make your purchase.  Apply easily online and get pre-approved before stopping into any of our store locations to make your purchase.

  • Will Not Affect Your Credit Score
  • No Credit Needed
  • 90 Day Same As Cash
  • 95% Approval Rate
  • $49 processing fee


Employed by the same employer for at least 6 months.
Minimum Income of $1,000 per month and/or deposit at least $500 per month into your checking account.
Have a checking account open and active for 3 months.
No Non-Sufficient Funds or excessive overdrafts fees in the last 30 days in your checking account.



The 90 Day Same as Cash financing option lets you make smaller payments over time, giving you the ability to fund your service without making large compromises elsewhere. Pay off your balance within 90 days, and it's the same as paying cash at the time of purchase. It's an easy repayment plan built to work for your needs.

  • No credit check
  • Instant Approval
  • 90 Day Same As Cash
  • $40 processing fee


Okinus approves you for up to $5,000 without going through all the hassle of traditional credit card lenders. It's great for anybody with bad credit or no credit. The program works like rent-to-own: you are not charged for interest right away but rather month to month. The sooner you pay it off the lower the cost. Also if you pay it off within 90 days there is no interest charge or 90 Days Same as Cash.


  • Earn $1,200 a month before deductions
  • Checking Account that's been open past 3 month


Frequently Asked Questions

Q: What is the interest for this program?

A: This program has no interest because it is a lease-purchase contract.  If you pay your balance off within 90 days, all you pay is the invoice price and the Processing fee.  If you take more than the first 90 days to pay off the purchase, then you will pay 1.8 times the invoice total over 12 equal payments.  (Example: on a $1,000 invoice, you will pay the $49 processing fee and 12 monthly payments of $150; a total of $1,840)

Q: Do I have to come into the showroom to complete the contract?

A: YES.  All contracts are completed in the showroom as we need to verify identification as well as complete the financial contract.  However, it is recommended that you get approved via the online application prior to coming into the showroom.

Q: How long will my account be active?

A: An approved account and contract are good for 90 days.  If an invoice takes more than 90 days to deliver, then contact the store for an extension.  If the extension cannot be given or the delivery takes longer, you will need to reapply.

Q: What happens if the order is not in stock (special order)?

A: Once you are approved, we will order your items. Most items take 2-4 days to arrive. You will then be able to pick your items up or have them delivered to you.

Q: Where do I mail my payment?  Can I pay online or by phone?

A: Payments will be debited out of your checking account by ACH and by the frequency of your payroll (i.e. Weekly, Bi-Weekly, etc.). 

Q: What if I do not have a checking account?

A: We will not be able to approve you at this time without a checking account.

Q: What if I DO have overdrafts on my checking account within the last 30 days?

A: We will not be able to approve you at this time, but you may reapply as soon as there is a 30 day history with no overdrafts-we only look at your last 30 days bank activity!

Q: Do you need literally the last 30 days of bank activity or just my last statement?

A: We can not accept ATM print outs. We can accept your last bank statement that was either mailed to you, printed out at the bank, or one that you have downloaded from your online banking site. You can also send or bring a 30 day print out from online or from your bank!

Q: What will my payments be?

A: We do not know what you payments will be until you have picked out your product and we have sent that invoice to the lender. They will send us back the contract that will have all info and payments for you to review before you sign the contracts. Your payments will be approx 15% of the total invoice amount monthly payment.

Q: How do I make my payments?

A: Your payments will be automatically deducted from your bank account on your paydays.

Q: When will my first payment be deducted?

A: Your first payment will begin on the closest payday following a 10 day grace period from the date of your product delivery!

Q: What amount will I get approved for?

A: You total amount approved for is based on your income and your deposits into your bank account, the lender sets this amount we do not know until we get your approval back.

Q: Can I go over my approval amount?

A: The lender will allow you to go 10% over your approval amount.

Q: How does this program work?

A: Technically it is a lease/ purchase program. The “lender” purchases the product from us, and they “lease” it to you. At the end of the lease you own the product free and clear. For example if you were to purchase $1,000 of furniture, your minimum payment would be $150 per month for 12 months.  So you would be paying a total of $1800 by the end of the lease term.  But if you wanted to pay off the $1,000 balance within the first 90 days you would not be charged any interest or lease fees, you would only pay the $1000 invoice amount,plus the $40 down payment, nothing more! But if you wanted to pay it off after the 6th month, you would have already paid in a total of $900, towards the $1800 total lease amount, so there would still be a remaining balance of $900. You would be able to buy out the lease contract for 65% of the remaining balance which would be ($900 x 65% = $585) $585. So total you would have paid $900 in monthly payments and a $585 buyout for a total of $1485. But again if it is paid off in the first 90 days, there will only be the amount purchased plus the initial processing fee.       

Errors in prices may occur. We reserve the right to correct any errors.