What is Lease-to-Own?
With lease-to-own financing, Flexshopper purchases the merchandise and leases it back to you for 12-18 months. Once you’ve fulfilled the terms of your lease, you obtain ownership of the merchandise. You may also obtain ownership earlier with an early buyout option.
Most Frequently Asked Questions
Can I buy out my lease-to-own agreement early?
Yes. The default payment plan is the Maximum-Term Plan, which includes 12- to 18-month renewable terms and is your highest cost option. To exercise an early ownership option, including any early buyout promotions, you must make all regular payments on time and ensure the required amount is paid within the applicable timeframe through the customer portal or by chatting with our Customer Care team. Early buyout promotions may include a cost of lease above the merchandise price. For details and limitations, including relating to applicable early ownership options, refer to your lease agreement.
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.
What Can You Expect to Pay?
What is FlexShopper?
Since 2013, FlexShopper has helped millions shop with flexible, lease-to-own plans—no credit needed¹. With over 100,000 brand-name products and a simple, secure process, we make shopping easy.
Our History & Trust
Established in 2013, FlexShopper has built a trusted reputation over 10+ years by helping millions of customers access the products they need.
Customer Satisfaction
We prioritize your satisfaction with dedicated customer support and flexible plans tailored to your lifestyle.
Wide Product Selection
Shop from 100,000+ top products like electronics, furniture, appliances, and more—all in one place.
No Surprises
Apply in minutes with no credit needed¹, and enjoy flexible weekly, biweekly or monthly payments with clear terms outlined in your agreement.
How It Works: A Smarter Way to Shop
Step 1: Apply
Apply online in just minutes and get a decision in seconds for up to $5,000 in lease-to-own financing.²
Step 2: Shop
Browse over 100,000 products across categories like electronics, furniture, appliances, and more. With multiple ownership options, you’ll find exactly what you need and want.
Step 3: Sign & Ship
Review and sign your lease agreement from your device. Sit back and relax while your products ship straight to your door.
Step 4: Easy Automated Payments
You can set up easy, on-time payments. Once you've completed your lease agreement, you obtain ownership of the merchandise.
Shop Our Best Deals
Explore the products customers are loving, from top-rated picks to current offers
Buy now, pay over time
| Monthly |
Lease To Own |
|
| Term | 12 monthly payments | 52 weeks |
| Recurring Payment | $83.33/mo | $29.81/wk |
| Estimated Total Paid | $1,000.00 | $1,550.00 |
| APR | 0% | N/A |
| Eligibility | Available for customers with a qualifying credit profile. | Available for most customers. |
| APPROVAL REQUIRED | APPROVAL REQUIRED |
If you you don’t qualify for this offer, we may have flexible weekly payment plans tailored just for you!
All prices shown are monthly payments. Please note payment amount could change based on the frequency of payments required by applicable payment solution providers.
If you choose the 90-Day Same As Cash Early Purchase Option, you must pay off the merchandise within 90 days. By doing so, you won’t incur any rental fees.
The payment is only an estimate, other pay frequencies are available in your agreement. The above estimates assume the required payments are received timely and there are no taxes or other ancillary charges added to the purchase amount. For complete terms and conditions of the required minimum payment calculation, please refer to the agreement.
Shop What You Love, When You Want with FlexShopper
Whether you’re shopping online or on your phone, FlexShopper makes it easy to get what you want. We offer lease-to-own financing on a wide range of products, so you can shop today and pay over time.
Everything You Want, Right at Your Fingertips!
