No Credit? Sam's Help Build Credit

We're Your First Step to Building Great Credit

Starting out in life as you build your home and your future means making good decisions up front. Here at Sam’s we can help. If you’re serious about establishing a good credit score and credit history, Sam’s is the place to start. At Sam’s we believe in building your credit future the right way. You do not need to have credit to apply! We have helped thousands build great credit with Our Lease to Own program. Our no worry application and Lease to Own program will fit your budget and goals - achieve ownership, establish your credit, and save money!

What can you acheive with an established ccredit score?

Why Sam's Lease to Own is your Easy, Trustable Solution for Credit Building

Budget Friendly Payments Allow You to Make On Time Payments

Regular, on time payments is the BEST way to establish a good credit history. With Lease to Own, we make that possible. We report each month to the three major credit bureaus! There is no better program in the country!

And best of all, your monthly lease payments are based on Sam’s already low cash prices. Compare Sam’s to other monthly payment options and you’ll see how much you can save at Sam’s and we report each month to the three major credit bureaus! There is no better program in the country!

We Report to All 3 Major Credit Bureaus EACH MONTH!

You can trust Sam’s to be your team to get you to where you want to be with your credit establishment goals. Your credit score is determined by your history of making on-time payments. By making your payment on-time to our lease to own program, you will be on your way to a healthy credit future.