Take it home now. Own it on your schedule.
Lease to own lets you take the item home today and pay for it in weekly payments. Every number is shown before you apply: the weekly payment, the total cost and the early-payoff price.
No credit history required. Applying doesn't affect your FICO® Score, though other credit scores may be affected.
Four steps, no surprises.
-
Pick your item
Every product shows its weekly payment, total cost and early-payoff price.
-
Apply at checkout
A short application, and a decision right away. No credit history required; not everyone is approved.
-
Sign your lease
Review every number in your lease agreement before you sign.
-
Take it home, pay on payday
Pay weekly, every two weeks or monthly. Own it after the last payment, or sooner if you pay it off early.
Estimate your weekly payment
Move the slider to an item's price. These are the same rules the product pages use.
An estimate to help you compare. Excludes tax and delivery. Your actual terms are shown in full before you sign anything.
Three ways to finish your lease
Pay it off early
Within 110 days, own it for the item's price plus 10%. After that, pay it off any time for less than the remaining payments.
Make every payment
Own it after your last weekly payment. This costs more than the cash price.
Return it
Ownership is optional. You can end the lease by returning the item.
Your lease agreement sets out exactly how each option works.
Four things, and a few minutes
No credit history required. Not everyone is approved.
18 or older
You must be at least 18 to apply.
SSN or ITIN
A Social Security number or an Individual Taxpayer Identification Number.
A steady source of income
Income you receive on a regular schedule.
A checking account or debit card
An active checking account or debit card for your payments.
Before you apply
No application fee
Applying costs nothing.
Approval lasts about 45 days
Your approval is generally good for 45 days; your approval terms say exactly.
One lease at a time
You can have one active lease with us at a time.
Not approved? Try again in 30 days
Approval looks at several factors, and you can reapply after 30 days.
Common questions
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.
How long is the lease?
56 weekly payments for items under $1,250, and 78 for items $1,250 and up.
Are there hidden fees?
No. Every fee is stated in your lease agreement.
Ready when you are.
Lease to own costs more than the item's cash price. Estimates are examples; your actual terms are shown before you sign. See Disclosures.