An Affordable Way for Customers to Get the Products They Need
For customers who are shopping for new furniture, electronics, home appliances and more, but don't have the cash for a large up-front payment or the credit to finance, lease-to-own can be an option to get them what they need with easy weekly payments and own in one year or less.
How it works
With these easy steps, your customer is on their way to owning their new products with no money down and easy weekly payments.
Customers can fill out our easy application in minutes and qualify for an instant spending limit up to $2,500
Customer submits a Lease Request in-store via the FlexWallet app, or heads to checkout on your website or flexshopper.com
Accept our Lease Agreement in the FlexWallet App or at checkout
After the customer receives their products, their easy weekly payments will be deducted from the bank account they provide
See the Process by Channel
In Your Store
Easy zero-integration with our standalone apps.
Integrate lease-to-own into your finance cascade for customers who get declined for your credit card.
1. On this site, we use the terms "lease," "lease agreement," "rental-purchase agreement" and "agreement" the same. (We usually use the term "Lease.") Under your Lease, you can: (a) make 52 weekly payments or exercise an Early Purchase Option to acquire Ownership of the rented goods or (b) rent the goods for at least the initial term and then end the lease when you want by making all required payments and returning the goods. In NC, the final payment required to purchase the rented goods will be an amount greater than 10% of the Cash Price.
2. Good credit is not necessary but not everyone with bad credit is approved. Our goal is to help consumers with bad credit get goods they want through a Lease.
3. You will own the item(s) and not have to pay any additional amount if you pay the full Cash Price (the Cash Price is the price we charge for a cash sale of the item (or $50 more than the price the merchant you select charges) plus sales taxes and may be higher than the price you would pay if you were to purchase the item(s) directly; if you rent multiple items at the same time, we reduce the Cash Price (and increase the Cost of Rental) by $50 for the second and each subsequent item you rent, which makes it less expensive to purchase the items before the end of the term of the Lease). After 90 days, you also have an Early Purchase Option that allows you to own your item(s) for less. Simply refer to the table in your Lease to look up the Early Purchase Option amount after each payment date.
4. An initial security deposit and/or payment may be required.