Financing West Creek Lease to Own Bad credit or no credit? Get pre-qualified in less than 5 minutes with Zibby. Pay over Time Get furniture, appliances, electronics, and other essentials, no credit required. 30 second pre-approvals Apply at Zibby-approved retailers online or in-store, and get pre-approved up to $3,500. Lease-to-own flexibility With each payment, you have the option to continue leasing, buyout, or return your items. ALSO: Have excellent credit? Apply in store for your Barnes Credit Card financed through Synchrony Financing.