Buy now, pay over time

Financing made easy

Get the repair or phone you need today and split the cost into manageable payments. We work with financing partners who pay us upfront — so you deal directly with them on simple terms and walk out the same day.

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Repairs & phones

Sunbit

A fast application that won't hurt your credit just to check, with most customers approved — even with less-than-perfect credit.

  • Checking your options is a soft pull
  • Use it on repairs or a new device
  • Pick the monthly payment that fits
Ask about Sunbit →
No credit needed

RTO Mobile · Lease-to-own

Get a reliable phone today with no traditional credit required — plus a 90-days same-as-cash option to pay it off early and save.

  • Approval without a finance company
  • Flexible weekly or monthly payments
  • 90 days same-as-cash to save
Ask about lease-to-own →
How it works

Approved in minutes, in-store

1

Pick your repair or phone

Choose what you need in-store or message us first.

2

Apply in seconds

A quick application on a tablet at the counter — an answer in moments.

3

Get approved

Most customers qualify, with options for every credit situation.

4

Walk out today

Take it home now and pay over time on terms that work for you.

FAQ

Financing questions

The things people ask before they apply. Want a real answer for your situation? Call (760) 214-6727.

Will checking my financing options hurt my credit?
No — seeing your options with Sunbit is a soft credit check that won't affect your score.
Do I need good credit to qualify?
Not necessarily. Sunbit approves most applicants even with less-than-perfect credit, and lease-to-own through RTO Mobile requires no traditional credit at all.
What can I use financing for?
Both repairs and phones — put it toward a screen or battery repair, or toward a quality pre-owned device.
How long does approval take?
It's a quick application on a tablet at the counter, with an answer in moments — most customers qualify.
Can I pay it off early?
Yes. Lease-to-own includes a 90-days same-as-cash option, so you can pay it off early and save.
How do I apply?
Come in or message us first, apply in-store, and once you're approved you can walk out the same day.

Approved in minutes — walk out today.

Apply in-store on repairs or a phone, with options for every credit situation. Call or message to get started.

Call (760) 214-6727 Message us
Call (760) 214-6727