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Lease-to-own • No Perfect Credit Needed

Lease to own

Up to $3,000 in shopping power

Lease to own appliances

Refrigerators, washers and dryers, ranges, dishwashers and small appliances with low weekly payments and up to $3,000 in shopping power. Apply in minutes, take it home now and own it after your last payment. Every payment and the total cost are shown before you sign.

  • No perfect credit needed to apply
  • Low weekly payments
  • Decision in minutes
  • Own it after your last payment
  • Every number up front
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250 products

BISSELL - CleanView Compact Turbo Upright Vacuum - Black / Grapevine Purple

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BISSELL - CleanView Compact Turbo Upright Vacuum - Black / Grapevine Purple

Regular price$103.99
Sale price Regular price
Pickup in store
BISSELL - Little Green Mini Portable Carpet Cleaner - Tea

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BISSELL - Little Green Mini Portable Carpet Cleaner - Tea

Regular price$129.99
Sale price Regular price
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Top Rated
Shark - PowerDetect ThermaCharged Robot Vacuum & Mop with Heated Mop Cleaning NeverTouch Pro Base - Black

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Shark - PowerDetect ThermaCharged Robot Vacuum & Mop with Heated Mop Cleaning NeverTouch Pro Base - Black

Regular price
Sale price$779.99 Regular price $1,199.99
Save $420.00

$1,199.99

Pickup in store
Top Rated
DREO - 20'' Portable Ceramic Space Heater for Home, 70° Oscillation, 12H Timer and Thermostat, 3 Heat Levels, Solaris 628 - Silver

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DREO - 20'' Portable Ceramic Space Heater for Home, 70° Oscillation, 12H Timer and Thermostat, 3 Heat Levels, Solaris 628 - Silver

Regular price$116.99
Sale price Regular price
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Frigidaire - 27 in. Wide 16 Cu. Ft. Garage Ready Upright Refrigerator - White

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Frigidaire - 27 in. Wide 16 Cu. Ft. Garage Ready Upright Refrigerator - White

Regular price$1,169.99
Sale price Regular price
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Ninja - Double Oven Pro Smart XL Countertop Oven & Air Fryer - Stainless Steel

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Ninja - Double Oven Pro Smart XL Countertop Oven & Air Fryer - Stainless Steel

Regular price$519.99
Sale price Regular price
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Ninja - SLUSHi Twist Smart Frozen Drink Maker, 144oz, 10+ Servings - Blue

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Ninja - SLUSHi Twist Smart Frozen Drink Maker, 144oz, 10+ Servings - Blue

Regular price$519.99
Sale price Regular price
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Dyson - Exclusive Ball Animal 2 Plus Corded Upright Vacuum with 5 Accessories - Molded Blue

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Dyson - Exclusive Ball Animal 2 Plus Corded Upright Vacuum with 5 Accessories - Molded Blue

Regular price$454.99
Sale price Regular price
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Breville - the Smart Oven Pro Convection Oven - Brushed Stainless Steel

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Breville - the Smart Oven Pro Convection Oven - Brushed Stainless Steel

Regular price$350.94
Sale price Regular price
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Top Rated
Insignia™ - 6.7 Cu. Ft. Gas Dryer with Sensor Dry - White

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Insignia™ - 6.7 Cu. Ft. Gas Dryer with Sensor Dry - White

Regular price
Sale price$649.99 Regular price $749.99
Save $100.00

$749.99

Pickup in store

What an appliance costs to lease

A French-door refrigerator at $1,499.99 works out to 78 weekly payments of about $46.15, a total of $3,599.98 if you keep it to the end; pay it off within the first 110 days and the early-payoff price is $1,649.99. A washer at $699.99 works out to 56 weekly payments of about $28.75, a total of $1,609.98 if you keep it to the end; pay it off within the first 110 days and the early-payoff price is $769.99. A dishwasher at $549.99 works out to 56 weekly payments of about $22.59, a total of $1,264.98 if you keep it to the end; pay it off within the first 110 days and the early-payoff price is $604.99.

Items under $1,250 are paid over 56 weekly payments and items at $1,250 and up over 78. The weekly payment, the total of all payments and the early-payoff price are shown on every product page before you decide, so there is nothing to work out.

Up to $3,000 in shopping power

Up to $3,000 covers a washer and dryer pair, or a refrigerator and a range, in one lease. Large appliances ship by home delivery; the product page shows the delivery option for each item.

Paying it off early

You can pay a lease off at any time. Within the first 110 days the early-payoff price is the item's price plus 10%, well below the total of all payments, and the exact amount is on the product page.

No perfect credit needed to apply

Applying won't affect your FICO® Score*

Fast shipping or store pickup

Choose shipping to your door, or pick up eligible items at a store near you.

See the total first

Every product shows the payment and the full total you'll pay.

Shop now. Pay over time.

Enjoy your items now and pay weekly over time.

HOW IT WORKS

The Mint Path — four steps to owning it

No fine print, no games. Here is exactly what happens, in order.

  1. Apply in minutes

    A quick form and an answer in about 60 seconds. Applying doesn't affect your FICO® Score, though other credit scores may be affected.

  2. Shop your amount

    Browse online or at a partner store. The payment and the total you'll pay are shown on every item.

  3. Pay when it's delivered

    Shop now, pay later. Nothing is charged before your order arrives.

  4. Own it — early if you want

    Pay it off in 110 days at cash price plus 10%, with no penalty, or keep the flexible payments.

THE DIFFERENCE

The same lease, without the fine print

Here is what we do differently — and every line is in your agreement, not just on this page.

Improvemint Typical lease-to-own
Total you'll pay Shown on every product, before you apply Often only in the agreement at signing
110 Days early purchase Cash price plus 10%, any time in 110 days Term and fees vary, but no one is offering 110 days early purchase.
Add-ons You always know what's in your lease Hidden extras options often checked by default
When you're charged After it's delivered Sometimes charged before delivery
Your account We never sell it to a third party Accounts are commonly sold on
Support Always-on AI chat + published hours Queues and long holds

Based on terms commonly found across the lease-to-own category. Compare any provider's agreement against ours before you sign.

Lease to own: questions people ask

How does lease to own appliances work?

Choose the appliances you want, and the product page shows the weekly payment, the total cost, and the early-payoff price before you apply. You pay weekly, and you own it when it is paid off — or pay it off early, any time, for the early-payoff price shown.

What is the weekly payment on appliances?

It depends on the appliances you choose. Every product page shows its own weekly payment, with the total cost and the early-payoff price next to it, so you can compare before you apply.

Do I need a credit score to lease to own appliances?

No credit score is required to lease to own appliances from Improvemint Financial. The weekly payment, total cost and early-payoff price are the same numbers shown on the product page before you apply.

Can I pay off appliances early?

Yes. Appliances can be paid off early at any time for the early-payoff price shown on the product page, and then they are yours.

How much can I lease to own at once?

Up to $3,000 in shopping power, which can cover more than one item in a single lease with one weekly payment. Items under $1,250 are paid over 56 weekly payments and items at $1,250 and up over 78. The weekly payment, the total of all payments and the early-payoff price are shown on every product page before you decide, so there is nothing to work out.

Low weekly payments. No perfect credit needed.

Applying doesn't affect your FICO® Score, though other credit scores may be affected. No obligation to shop afterwards.

Learn more