What is Lease-to-Own?
Lease-to-own with FlexShopper lets you get the products you love—like furniture, electronics, and appliances—without paying the full price upfront. Take your item home today and make affordable weekly or monthly payments; once your plan is complete, it’s yours to keep. Or, pay it off in 90 days for the advertised cash price—no hidden fees or long-term commitment.
Most Frequently Asked Questions
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, without incurring any rental fees.
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, affordable lease-to-own plans—no credit needed. With over 100,000 brand-name products and a simple, secure process, we make shopping easy and trustworthy.
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 needed, and enjoy flexible weekly or monthly payments with clear terms and no surprises.
How It Works: A Smarter Way to Shop
Step 1: Apply
Apply online in just minutes and get approved instantly for a spending limit of up to $2,500. You can use your limit on one product or multiple—your choice!
Step 2: Shop
Browse over 100,000 products across categories like electronics, furniture, appliances, and more. With flexible payment plans, you’ll find exactly what you need and want.
Step 3: Sign & Ship
Accept our easy, electronic agreement with just one click. Sit back and relax while your products ship straight to your door. Need it sooner? Choose store pickup at your local Best Buy for select items.
Step 4: Autopay
Set up autopay for easy, on-time payments. Once you’ve made your payments, the product is yours to keep!
Enjoy Extra Protection With FlexAdvantage
Give Yourself Peace of Mind with Lease Protection Benefits and More
Product Protection Plan
Health Benefits, Discounts & Deals
Unemployment Payment Waiver
$3.99 per week*
Shop Our Best Deals
Don’t miss out on the products everyone’s loving. From top-rated picks to limited-time offers, these deals are too good to pass up.
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, even when cash or credit is limited. We offer flexible payment options on a wide range of products, so you can shop today and pay over time.
Everything You Want, Right at Your Fingertips!
