How it works
With thousands of retail locations, you can choose our lease-to-own solution on items such as appliances, furniture, jewelry, electronics, mobile devices, mattresses, and more.
Begin your application in one of three ways
Online
If you are a returning customer you can apply through your account.
Download the app
New customers can apply through our mobile app. Follow the apply now links on this site to begin.
In-store
Talk to your customer service rep about our simple in-store application.
Begin your application in one of three ways
Online
If you are a returning customer you can apply through your account.
Download the app
New customers can apply through our mobile app. Follow the apply now links on this site to begin.
In-store
Talk to your customer service rep about our simple in-store application.
To apply you will need:
Social security number or ITIN Bank account details Credit or debit card To be 18 years or older
Our application process is tailored for those with less-than-perfect credit, meaning our decision to approve you for a lease is based on more than simply your credit score.
Once approved
Go shopping for leasable items at your store of choice.
Approvals are good for up to 90 days.
If you need to step away for any reason you can resume your application or finalize your lease at any time.
Review, sign and make your initial lease payment
An initial payment will be collected when you sign your lease. Your next payment will not be due until at least 10 days after you receive your merchandise.
Checkout and take your items home
In most cases you can take your items home upon checkout.
For large items or items ordered online they will arrive according to the typical delivery schedule of the retailer.
Your lease begins upon receipt of your purchased items.
Checkout and take your items home
In most cases you can take your items home upon checkout.
For large items or items ordered online they will arrive according to the typical delivery schedule of the retailer.
Your lease begins upon receipt of your purchased items.