FAQ


How easy is it to apply?
Our online application requires only basic personal information and you will have an approval back within seconds.

How much will I be approved for?
Depending on your credit, we approve up to $5000.

Do I need to use all of the credit I’m given?
No, you can use from $500 up to the full amount of credit you were approved for.

What is the interest rate?
Leases are not the same as loans and do not have an interest rate. Please read the leasing agreement carefully to understand the monthly payments, length of term, residual value and total of payments.

What is residual value?
The purchase price at the end of the lease if the lessee wishes to keep the property.

What is a disposition fee?
A final fee payable at the end of the lease if the lessee does not purchase the property.

What type of financing is this?
Closed end consumer lease.

How long is the lease period?
It varies between 12 and 24 months depending on the amount financed.

What’s the difference between a lease and a loan?
A loan is the borrowing of money while a lease is a term rental agreement for the use of specific property.

Am I locked into the full length of the term?
No. You can buy out of the lease agreement at any time. The earlier you buy out, the more you save.

Can I make extra payments?
No, since this is a lease agreement, we cannot accept extra payments. Our Early Buyout Option is a great way to save money.

What information do I need to apply?

  • Your Address
  • Phone Number
  • Social Security Number
  • A Family Referral
  • Email Address
  • Drivers License Number
  • Gross Monthly Income
  • Active Bank Account

What happens if my merchandise is damaged, or didn’t live up to my expectation?
Your purchase should be thoroughly inspected before signing the lease agreement. Once the agreement is signed, the purchase cannot be returned, and you will be responsible for all lease payments.

How often are payments due?
Payments are due 30 days from the signature date on your customer lease agreement.

What information will I need to bring with me to my retailer?
The retailer will need to see a valid government issued photo ID (drivers license or passport). He/she will also need your bank account number and routing number to complete the contract.

Can I mail in a check?
We only accept ACH Payments. ACH stands for Automated Clearing House, otherwise known as automatic withdrawals. ACH payments take away the worries of remembering to send in a check every month!

How do I find a retailer near me?
Call our customer service number at 1-844-619-1400 and we can help locate a store near you.