Skip disability assistance statement.

Welcome to our website! As we have the ability to list over one million items on our website (our selection changes all of the time), it is not feasible for a company our size to record and playback the descriptions on every item on our website. However, if you have a disability we are here to help you. Please call our disability services phone line at (716) 775-7077 during regular business hours and one of our kind and friendly personal shoppers will help you navigate through our website, help conduct advanced searches, help you choose the item you are looking for with the specifications you are seeking, read you the specifications of any item and consult with you about the products themselves. There is no charge for the help of this personal shopper for anyone with a disability. Finally, your personal shopper will explain our Privacy Policy and Terms of Service, and help you place an order if you so desire.

How It Works

$40 down 100 days to pay “No Credit Needed”

This is a no credit needed funding program. It is based on your banking activities, and how well you manage your checking account. There are four general requirements for approval.

Program Requirements

  • You must have a personal checking account open for the past 3 months.
  • $1000 per month must be deposited into the account.
  • The account must show zero overdrafts for the past 30 days.
  • There must be a $45 minimum balance at the time of approval.

  • At the time of approval Westcreek will hold the $40 down in your bank account. If you decide not to use this funding the $40 will be released back to you.

    Three Payoff Options

  • 12 month option - The program is set up to be a 12 month rent to own program. If you just allow the program to run the 12 months the program will cost you a little more than double your invoice price, plus tax, plus the $40 down. Lake Effect Furniture and Mattress recommends that you NOT use this option, but instead use the 100 days to pay option.
  • 100 Days to pay - If you pay off the invoice amount within 100 days from the date you receive your furniture, your total cost will be the invoice price, plus tax, plus the initial $40 down payment. Lake Effect Furniture and Mattress highly recommend using this option.
  • Early Payoff - This is when you go past the 100 days, but still want to pay it off prior to the 12 months. The payoff amount is calculated by taking 65% of the remaining total amount of payments for the 12 month option. We only recommend this option if you failed to pay off within 100 days.

    Payment Methods

  • Call Westcreek and ask to make additional payments.
  • Use the Westcreek App and pay through it.