1. Apply— The application process is quick and easy and can be completed on your phone, tablet, or computer.
2. Shop— With more options than ever before, you can access top brands for home, tech, lifestyle, and more.
3. Ship & Ship — Once your lease is signed, products ship directly to your door or opt for store pickup on select items.
4. Pay — Complete all of your convenient auto-payments according to the terms of your agreement.

To apply (or to have any chance for a spending limit), you must:

1. Be at least 18 years old (may vary by state, ex. you must be 19 in AL and NE and 21 in MS)
2. Have a valid SSN or ITIN, phone number, and address
3. Have a current source of income
4. Reside in the U.S. (But not in New Jersey, Minnesota, Wisconsin, or Wyoming)
5. Have a valid checking account in good standing
6. Provide employment information (status of employment and employer name)

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

If you do not make your payment(s), this can negatively affect your FICO score. Lease customers will also be negatively affected if they do not return their leased item(s).

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.

Instant decisions are available depending on the product category and/or the payment solution which best matches your credit profile. Some payment options may require additional documentation to verify identity, such as a driver’s license, or income verification, such as bank statements or pay stubs.

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.