Summit Advantage Card
0% interest
Promotional financing for shoppers with established credit.
- 12 months no interest on purchases $499+
- 18 months no interest on kitchen packages $1,999+
- Cardholder-only rebate events
- Reusable line for future purchases
Approval in about 5 minutes
Get it now, pay over time.
Two ways to finance a Summit purchase: promotional no-interest terms through the Summit Advantage Card, or no-credit-needed lease-to-own through PeakLease. Apply online in minutes, or at the counter at either showroom.
How it works
Three steps, one visit
- 1
Get approved
Apply online or at the counter. Approvals up to $5,000 on lease-to-own, higher on the Summit Advantage Card. A soft check on the first step means no surprise hit to your score.
- 2
Get access
Your approval amount is live the moment it clears — no waiting for a card in the mail. Bring the approval code to either showroom, or use it online at checkout.
- 3
Get shopping
Use it on anything we sell: a single washer, a full Samsung Bespoke kitchen, delivery, installation, haul-away, and protection plans all included.
Our lenders
Choose the plan that fits
PeakLease lease-to-own
No credit needed
A lease-purchase agreement, not a loan — approval looks at more than a score.
- Approvals up to $4,000
- 90-day early purchase option
- Decision in about 5 minutes
- Payments matched to your pay cycle
All financing is subject to approval by the lender, not by Summit Appliance. Promotional terms, minimum purchase amounts, and payment schedules are set by the lender and are disclosed in full before you sign. Lease-to-own agreements cost more than the cash price if held to the end of the term; the 90-day early purchase option is the least expensive path. We are happy to walk through the numbers with you before you commit.
- Bring one IDGovernment photo ID and a bank account or debit card
- Steady incomePay stub or direct-deposit history
- 18 or olderAnd a valid phone number and email
- No prepayment penaltyPay it off early on either plan
Financing questions
Before you apply
Will applying hurt my credit score?
The lease-to-own pre-approval uses a soft inquiry that does not affect your score. The Summit Advantage Card runs a hard inquiry only when you accept the offer, and we tell you before that happens.
Can I use financing on an open-box unit?
Yes. Open-box, scratch-and-dent, and floor models all qualify, and so do delivery, installation, haul-away, and Summit Protection Plans on the same invoice.
What if I have no credit history at all?
That is exactly what PeakLease is for. It is a lease-purchase agreement rather than a loan, so approval looks at income and banking history instead of a score. Most decisions come back in about five minutes.
Can I pay it off early?
Always, on both plans, with no penalty. On PeakLease the 90-day early purchase option is the cheapest way to own the appliance outright — ask us to write the exact payoff figure on your receipt.
Do you offer financing on repairs?
Yes — repair invoices over $299 can go on the Summit Advantage Card with the same promotional terms, so a compressor failure does not have to be a one-week decision.
Questions about payments?
We will run the numbers with you.
Call the sales desk or stop in and we will price the appliance, the delivery, and the monthly payment together — before anything is signed.