Financing Options
Two ways to pay over time — promotional financing with the Summit Advantage Card, or no-credit-needed lease-to-own through PeakLease.
Two ways to take it home today
Every budget is different, so we offer two independent programs. Both can be started in the store in minutes, or from your phone before you visit.
Summit Advantage Card — promotional financing
Issued by TruNorth Financial, the Summit Advantage Card offers promotional financing on purchases of $499 or more, with special terms during major sale events (subject to credit approval):
- 12-month equal-payment, no-interest plans on purchases $499+
- 18-month plans regularly offered on kitchen packages $1,999+
- No annual fee; manage and pay online
- Use it again for future Summit purchases, parts, and service calls
Interest accrues from the purchase date and is charged if the balance is not paid in full within the promotional period. See terms at application.
Apply for the Summit Advantage Card — most decisions are instant.
PeakLease — lease-to-own, no credit needed
Prefer to skip the credit check? PeakLease approves based on income and banking history, not your credit score:
- Approvals from $300 up to $4,000
- 90-day early-purchase option that minimizes lease cost
- Flexible weekly, bi-weekly, or monthly payments
- Approval decision in about 5 minutes, in store or online
PeakLease is a lease-to-own program, not a loan; you won't own the merchandise until the lease is completed or an early-purchase option is exercised.
Which one is right for me?
- Strong credit and a plan to pay within 12–18 months? The Summit Advantage Card usually costs the least.
- Rebuilding credit, or need a decision that doesn't touch your score the same way? PeakLease with the 90-day option is the smart play.
Still not sure? Call either store and ask for the sales desk — we walk customers through this comparison every day, no pressure.