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At Okinus, our goal is to provide families with easy access to fast, flexible options to lease-purchase high quality merchandise at an affordable price while rebuilding credit. Are you currently in the market for new HVAC system? We can help. Or did your HVAC unit finally give out during the summer months? We can help. The good news is you finally have instant access to bring home what you want, when you need it – with no credit needed financing.