Most Frequently Asked

What is 90 day same as cash pricing?

If you pay off your lease within 90 days, you will only be required to pay the cash price stated in your agreement, plus $50 or 10% of the cash price, whichever is greater. See your Lease Agreement for details. 

Will my FICO score be impacted?

Applying for a lease with FlexShopper will not impact your FICO score. However, failure to make timely payments may be reported and can negatively affect your credit.

Can I return the goods?

If you rent the item for at least the initial lease term, provide the required notice, make all scheduled payments, and return the item in good condition, the lease will end with no further obligation.This return option applies only if your lease is through FlexShopper. If your lease is provided by another lender, please refer to their agreement for applicable terms.

General Questions

How do I use FlexShopper?

• Apply— The application process is quick and easy and can be completed on your phone, tablet, or computer.

• Shop— With more options than ever before, you can access top brands for home, tech, lifestyle, and more.

• Ship — Once your lease is signed, products ship directly to your door or opt for store pickup on select items.

• Pay — Complete all of your convenient auto-payments according to the terms of your agreement. 

What are the general requirements to apply?

To apply for a spending limit you must:

• Be at least 18 years old (may vary by state) 

• Have a valid SSN or ITIN, phone number, and address

• Have a current source of income

• Reside in the U.S. (not all offerings are available in all states)

• Have a valid checking account in good standing

• Provide employment information (e.g, status of employment and employer name)

Additional documentation requirements and details, such as proof of income, employment information, monthly expenses, may be required depending on the payment program available.

Do you work with multiple lenders?

Yes, FlexShopper partners with multiple lenders, including PayPal, to match applicants with a suitable payment solution based on their credit profile.

Are there application fees?

There are no application fees. You are under no obligation until you sign your agreement. Full terms and conditions will be presented to you prior to signature.

How long does it take to get approved?

Many applicants receive instant decisions, although timing may vary based on the product category and payment option. Some payment options may require additional documentation such as a government-issued ID or income verification.

My credit is not great. How good does my credit score need to be to apply?

We partnered with different companies to provide multiple payment options to find a solution that fits both your unique credit profile and the products you need. For any application, credit score paints only part of the picture. Income, time on the job, and various other aspects of credit history may come into play.

Can I get more than one product?

Yes, you may select any number of different products up to your approved spending limit, however, quantity restrictions may apply to the same products.

What is a spending limit?

A spending limit is the total cash price of the goods you can select. According to your payment option provider sales tax, shipping, and goods and services may be included.

Do you pull my credit score?

Yes, we obtain one or more credit reports from alternative credit agencies. Additionally, we may obtain one or more credit reports from one or more of the major nationwide credit reporting agencies.

 What fees will I be charged?

We are committed to transparent pricing. Late fees/Insufficient funds fess (NSF)  may apply if a scheduled payment is missed or returned. Please refer to your agreement for complete details.

What is the cash price?

The cash price is the invoice amount of the item excluding taxes, shipping and other fees.

When are payments due?

Payments are due weekly. You may be required to make your first payment before your items are shipped or delivered.

Can I pay bi-weekly instead of weekly? 

Contact our customer service team at help@flexshopper.com  to find out what payment frequencies are available to you.

Can I ship to an address not listed on my account (e.g., work, family, friend)?

No. We can only ship your products to the address on the account, except products where store pick-up may also be an option. Store pick-up is subject to limited availability based on location and stock and can only be used by the account holder.

How can I get help or submit a complaint?

We are here to help you and would like to resolve any issues or concerns you may have. To submit a complaint, please email us at resolutions@flexshopper.com  and our team of specialists will do our best to help.

Using FlexShopper

How does lease-to-own work? 

If approved by FlexShopper for your lease, you are agreeing to make scheduled payments which may vary by state. The lease will continue until you return your item(s) or make all required payments. Note, not all products are eligible for return. If approved by another payment provider we encourage you to carefully read the terms of the lease agreement you are matched with before accepting any offer.

Are there early purchase options?

Customers can elect to own the merchandise early and avoid accruing additional rental costs. Refer to your lease agreement for more details.

How will my first payment apply to my lease payments? 

If approved by FlexShopper the first payment assessed at the beginning of your lease will be applied to your first week payment. Example, if you are assessed for a 1-week payment, this payment will be applied as your first payment and you will have 51 payments remaining on your lease. If approved by another payment provider we encourage you to carefully read the terms of the lease agreement you are matched with before accepting any offer.

How many lease payments will I have to make?

If you do not exercise an early payment option, such as 90 day same as cash pricing, you will make 52 weekly payments in total. 

Can I return the goods?

If you rent the goods for at least the initial term and you give us proper notice, make all of your required payments, and return the item in good condition, the lease ends and you have no further obligation to us. Please note, this only applies if your lease is with FlexShopper, not our other lending partners.

PayPal FAQs

How does PayPal's Pay-in-4 offer work?

You can split your payments into four interest-free, bi-weekly payments on eligible purchases. You will make your first payment at the time of purchase.

Can I pay monthly instead?

Yes, PayPal offers monthly payment options of up to 24 months.

Will I be charged interest?

If you pay off the full balance of your product(s) within 6 months, you will not be charged interest.

Can I return the goods?

Please refer to the terms and conditions of your agreement for whether or not your product(s) are eligible for return.