Lease to own

Up to $3,000 in shopping power

Lease to own headphones & earbuds

Earbuds, over-ear headphones and headsets 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
Free shipping on orders $150+

How lease to own works

What headphones cost to lease

Wireless earbuds at $179.99 works out to 56 weekly payments of about $7.39, a total of $413.98 if you keep it to the end; pay it off within the first 110 days and the early-payoff price is $197.99. Over-ear noise-cancelling headphones at $349.99 works out to 56 weekly payments of about $14.37, a total of $804.98 if you keep it to the end; pay it off within the first 110 days and the early-payoff price is $384.99.

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

Headphones rarely come close to the $3,000 limit, which means they fit alongside a bigger purchase: the phone-free earbuds with the laptop, the headset with the gaming desktop, in one lease.

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.

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.
Shop your amount
Browse online or at a partner store. The payment and the total you'll pay are shown on every item.
Pay when it's delivered
Shop now, pay later. Nothing is charged before your order arrives.
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.

Learn more

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 headphones and earbuds work?

Choose the headphones and earbuds 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 headphones and earbuds?

It depends on the headphones and earbuds 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 headphones and earbuds?

No credit score is required to lease to own headphones and earbuds 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 headphones and earbuds early?

Yes. Headphones and earbuds 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

Lease to own headphones & earbuds

What headphones cost to lease

Up to $3,000 in shopping power

Paying it off early

No perfect credit needed to apply

Fast shipping or store pickup

See the total first

Shop now. Pay over time.

The Mint Path — four steps to owning it

Apply in minutes

Shop your amount

Pay when it's delivered

Own it — early if you want

The same lease, without the fine print

Lease to own: questions people ask

Low weekly payments. No perfect credit needed.

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