How can we help?

Answers to the questions we hear most. Can't find yours? Call (855) 447-4921, Monday to Friday, 8am to 5pm Central, or email info@improvemintfinancial.com, or send us a message.

Getting started

What does lease to own mean?

You take the item home now and make payments over time. You own it when every payment is made, or sooner if you pay it off early. See how lease to own works.

Is this a credit account?

No. It is a lease-to-own agreement. You lease the item and own it when the payments are done.

What does "no credit score required" mean?

Approval is not based on a traditional credit score. Other information is used to decide eligibility, so a credit history is not required. As part of your application we obtain information from consumer reporting agencies.

Do you check my credit?

We don't require a credit history, but as part of your application we obtain information from consumer reporting agencies. Applying does not impact your FICO® Score, though other credit scores may be affected. Not all applicants are approved. See our disclosures.

How do I apply?

Choose your item, then choose Improvemint Financial lease to own at checkout. You see the weekly payment, the total cost and the early-payoff price before you apply.

What can I lease?

New furniture, mattresses, appliances, electronics and more from our shop and our partner retailers. We do not lease used items.

Approval

Why was I not approved?

Approval is based on several factors. If you were not approved, you may be able to apply again after 30 days.

How long is my approval good for?

Generally 45 days. Your approval terms show the exact date.

Can I have more than one lease at a time?

Not at the moment. You can have one active lease at a time.

What happens after I'm approved?

You review and sign your lease agreement. If your purchase needs an initial payment, we email you a secure payment link once the agreement is signed. When every step is complete, your order is processed.

Will I need to make an initial payment?

Some purchases need one before the order is processed. If yours does, the secure payment link arrives by email after you sign your lease agreement. If it is not completed, the order is not processed and may be canceled.

Is there an application fee?

No. Applying is free.

Can I cancel before I sign?

Yes. Nothing is final until you sign your lease agreement. If you need to cancel a recent order, contact us and we will help.

Payments

How do I make payments?

Payments are set up on autopay using the card you choose when you sign. You can make an extra payment toward ownership at any time: contact customer service to make one.

How long is the lease?

It depends on the item's price: 56 weekly payments for items under $1,250, and 78 weekly payments for items $1,250 and up. You can pay it off early at any time. See how lease to own works for worked examples.

How often do I pay?

You can pay weekly, every two weeks or monthly, and you can line your payments up with your payday.

Can I change my payment date, amount or frequency?

Changes may be available. Contact customer service and we will go through your options.

How do I add, change or remove a card?

Contact customer service. To remove a card, give us its last four digits. If it is the only card on file, add a new one first.

My autopay payment is missing. What should I do?

Check that the card on file is current and has not expired, then contact customer service so we can update it.

What if I can't make a payment?

If a payment is missed, your account may become past due. Contact customer service as soon as you can so we can discuss your options.

What if I can no longer afford my payments?

Things happen. Call us to talk about your options. You can always end a lease-to-own agreement by returning the item.

I think I was overcharged. What should I do?

Contact customer service and we will review your payment history with you.

Total cost and paying it off early

Are there hidden fees?

No. Every fee is stated in your lease agreement.

Will I pay more than the retail price?

Yes, if you make every payment over the full term: the total of all payments is more than the cash price. You can lower your total cost by paying it off early.

What is my total cost?

It depends on the item and your payment schedule. Every product page shows the total of all payments, and your lease agreement states it before you sign.

Can I pay off my lease early?

Yes, at any time. Within the first 110 days, the early-payoff price is the item's price plus 10%. Contact customer service for your exact payoff amount.

Orders, delivery and returns

When is my order processed?

After your lease agreement is signed and any initial payment has been received.

Where is my order?

When your order ships, we email you a tracking link. Check your spam folder if you can't find it, or contact customer service and we will look it up.

When will my order arrive?

Delivery times depend on the item and are shown at checkout. See free shipping for what qualifies.

Is there a warranty on my item?

It depends on the item and its manufacturer. Check the product page, or contact us and we will help.

What if my item arrives damaged or wrong?

Contact customer service and we will make it right.

How do I return an item?

Start every return with us. See our return policy, or contact customer service and we will coordinate it from start to finish.

Your account and security

How do I see my lease agreement, payments and due date?

Your lease documents are emailed to the address you used when you signed. Check your spam folder if you can't find them. For your due date, payments made and payments remaining, contact customer service.

How do I update my personal information?

Contact customer service with the changes.

Is my information secure?

Yes. Improvemint Financial uses secure systems to protect your personal and payment information. We will never email you asking for your password or card number.

What if I suspect fraud or identity theft?

Call us right away at (855) 447-4921, then follow the steps on our identity theft page.

Contact

How do I reach customer service?

Call (855) 447-4921, Monday to Friday, 8am to 5pm Central, email info@improvemintfinancial.com, or send us a message.

Do you have help in Spanish?

Yes. Our customer service team can help in Spanish at (855) 447-4921. Sí, nuestro equipo de atención al cliente puede ayudarle en español.

How do I give feedback or make a complaint?

See feedback and complaints.