Our lease provides you with no debt and no obligation that comes with lots of flexibilities and options: A) Pay as you go with periodic lease payments and own your item in 12 months, or B) Buyout early and save up to 50%, or C) Return, upgrade or cancel anytime. All lease payments go to the ownership of the leased item.
Shop our wide selection of the latest brand-name products (all brand new and factory sealed).
Complete and submit the no-credit-needed* application for an instant decision.
Once approved, eSign your lease agreement and when the initial lease payment clears, your order will be released for shipment or in-store pickup*.

Approval Requirements

Our Rent-to-Own Plan is designed for consumers with all types of credit scores. This includes good, bad or no credit at all.
Our no credit needed* for approval decisions mainly considers your income and banking information.
For our general requirements, you must be at least 18 years old, have a valid social security no. or ITIN, phone no. and address, have a current verifiable and steady source of income and have a credit or debit card (non-prepaid) and an active checking account in good standing.
We take fraud and identity theft very seriously. All approvals are subject to verification.

Leasing vs Credit

Our lease is not a loan or credit, so you are not obligated to any long-term commitments.
When you lease with us, you don't have to worry about being locked into a never ending cycle of debt.
Since our service is a lease transaction and not a credit transaction, there is never any interest rate.
Unlike making a purchase with a credit card or getting a cash advance, you can walk away from your lease at anytime with no penalties just by returning your item.

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Payment: The weekly payment amount displayed is only an estimate. The actual amount and terms will be in your lease agreement once the application is approved. The default lease payments are set to 26 bi-weekly payments (with the option to change to weekly payments after your first 2-week lease payment is made). In-store pickup is available for certain select items and if available, can be chosen during checkout. The transaction is a rental or rent with option to own agreement (or in certain states, a rent-to-own agreement, a consumer rental-purchase agreement, or a lease agreement with an option to purchase) provided by Simply Lease. We use the terms “lease”, “lease agreement”, “rental-purchase agreement” and “agreement” the same. You will not own the leased merchandise or acquire ownership rights unless you make payments for the full term of the lease or exercise an early purchase option. There is no obligation to continue with the lease past the current payment. Amounts shown do not include sales tax. No down payment is required to own the leased merchandise. An initial two week’s lease payment is required to be paid and cleared before fulfillment.

No Credit Needed means this is not a loan, credit or finance transaction and no established FICO score is necessary, but approval is not guaranteed. Simply Lease may check creditworthiness from alternative (not major) credit agencies. The application will NOT affect your FICO score. “No Commitment” means this is a monthly rental with option to own; therefore, it’s not debt on your credit report and you can return the property and cancel the contract anytime. Approvals may be subject to manual review for verification purposes at any time.

Early Buyout Options: You may purchase the Property at any time by exercising your Early Buyout Options. During your first 100 days, depending on your lease terms, your early purchase price will be the 100 Day Price listed in the lease agreement plus tax, less 100% of all rental payments that have already been applied. After 100 days, your early purchase price will be approximately 50% of your remaining lease to own payments.

Lease Limit: The amount of your lease limit (also referred to as “spending limit”, “shopping limit” and “approval limit”) represents the annual rental amount, for all items combined, that you can lease minus any outstanding leases you may have. Your lease limit may vary based on review of application and is subject to change at our discretion at any time.

Availability: This offer is not available in the following states: Maine, Minnesota, New Jersey, Oklahoma, Vermont, Wisconsin, West Virginia and Wyoming. State availability may change at any time. Terms and pricing may vary by state. General requirements: (1) must be at least 18 years old (may vary by state), (2) have a valid SSN or ITIN, phone number and address, (3) have a current verifiable and steady source of income and (4) have a credit or debit card (non-prepaid) and an active checking account in good standing.

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APPLE IPHONE 18 PRO

FROM $75/WK

SMART PHONES

FROM $32/WK

GAMING PCs & LAPTOPS

FROM $44/WK

FURNITURE

FROM $10/WK

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Leasing vs Credit

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