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



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.

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On Your Website

  • Add the FlexShopper lease-to-own payment method to your checkout.
  • Advertise easy weekly payments on your product pages, cart and checkout to attract customers.

Learn More



  • Add your product feed to the marketplace.
  • Get customized campaigns, paid placement, and other promotions for your products.

Learn More

Customer Benefits

Why FlexShopper stands out from other lease-to-own and financing options.
No Money Down
  • Customers can get started leasing with no money out of pocket on most items.4
  • FlexShopper pays retailers up front, customers begin their payments the Friday after.
Bad Credit OK2
  • Applying won't affect customer's FICO score.
  • Customers with less than perfect credit history may qualify.2
Early Purchase Options
  • Customers can save money and own sooner with early purchase options.
  • 90 Days Same as Cash3
  • Save up to 35% of remaining payments with early payoff after 90 days.
The Latest Products
  • No old or used products like brick & mortar rent-to-own stores.
  • Customers can shop a selection of thousands of products and the brands they love.
Clear, Simple Payments
  • Instead of gaining interest, customer's easy weekly payments always stay the same.
  • They'll own their product after 52 weekly payments or sooner with early purchase options.
No Buyer's Remorse
  • Customers aren't stuck with unwanted products or debt.
  • They can return their product to FlexShopper any time after their initial term (typically one week).
  • Customers can change their weekly payments to bi-weekly or monthly, whatever fits their schedule.
  • Customer service can make the change once their first payment is made.
Protection & Benefits
  • Customers can add FlexAdvantageTM  to protect from:
    • Accidental damage
    • Loss or theft
    • Loss of job or income
  • Bonus Health and Wellness Discount Programs.

Save and Increase Sales. Let us Tell You How.

Interested in expanding your customer base and saving sales? Fill out our contact form and a dedicated retail partner specialist will get in touch to see how FlexShopper can benefit you.