No Credit Needed - OKINUS - Cropped

Need Credit? Got Credit? No Credit? Either way, we can help. Up to 24 months Same-As-Cash with a credit check or No-Credit-Check options available with 90-Day payment options available at our Discount Mattress stores in Fultondale, Cullman, and Birmingham.

50-75% off name-brand mattresses daily!


Tower Loan Logo


It is easy to apply for credit. Stop by any of our stores, bring your state-issued ID, fill out a credit application and, in most cases, you will have an answer in less than 15 minutes.






You can apply for a no credit check loan inside our store or here.

This program is NOT based on credit worthiness. Okinus also reports payments to the credit bureau and offers a 90-Days-Same-As-Cash payment option. Payments are drafted monthly from the customer’s checking account.

Requirements to qualify for No-Credit-Check Financing:

  • You must have a checking account open for at least 90 days with a Debit Card (bring it with you)
  • Bring your checking account number and routing number
  • Must have monthly income of $1,200 or more.

We can now give you an instant response. All you need is your ID. Customers who are in the military, self-employed, or on a fixed income are still required to bring inĀ their most recent 60-day bank statement.

For Birmingham location (7001 Crestwood Boulevard, Unit 600, Birmingham, Alabama 35210), click below:




ForĀ Cullman, Fultondale, and Jasper locations, click below: