At FlexShopper, we believe that every consumer should have access to the household items they want and need. From the comfort of your home, you can shop and apply for an instant spending limit of up to $2,500.
Here’s why we’re the new way to shop on a budget:
Bad Credit? No Problem
With FlexShopper, bad credit is OK2. Our goal is to help consumers with bad credit get the goods they want through a lease with easy weekly payments for up to 12 months.
Shop Over 100,000 Products
We’re the largest lease-to-own marketplace with thousands of new products every day from leading retailers and brands including Best Buy, Amazon, Lenovo, Apple, Overstock, and more.
Curbside Pickup at Your Local Best Buy
Shop like everyone else when you lease with FlexShopper. Eligible products are available for curbside pickup at your local Best Buy store. Pick up locally and pay over time.
Flexible Payments
Enjoy easy weekly payments. Need to change your cycle to biweekly or monthly? No problem! Our billing team will be happy to get you on a payment plan that works for you.
Shop on Other Websites
Need a product we don’t have? With Personal Shopper, our team can find the product you want and take care of the rest.
Own Sooner and Pay Less
Why wait a whole year when you can own sooner and save? When you lease-to-own1 with FlexShopper, you get great options to own and save.
Early Purchase Option8 Pay off your lease anytime but before one year, and save up to 35% on your remaining balance.
52 Weekly Payments Make your easy weekly payments and after one year you own it!
Existing customers can call customer service or log in to their dashboard to get started.
Bad Credit? No Problem
With FlexShopper, bad credit is OK2. Our goal is to help consumers with bad credit get the goods they want through a lease with easy weekly payments and no money down3.
Shop Over 100,000 Products
We’re the largest lease-to-own marketplace with thousands of new products every day from leading retailers and brands including Best Buy, Amazon, Lenovo, Apple, Overstock, and more with free delivery.4
Curbside Pickup at Your Local Best Buy
Shop like everyone else when you lease with Flexshopper. Eligible products are available for curbside pickup at your local Best Buy store. Get what you want today and pay overtime.
Flexible Payments
Enjoy easy weekly payments. Need to change your cycle to biweekly or monthly? No problem! Our billing team will be happy to get you on a payment plan that works for you.
Shop on Other Websites
Need a product we don’t have? With Personal Shopper, our team can find the product you want and we take care of the rest.
Own Sooner and Pay Less
Why wait a whole year when you can own sooner and save? When you lease-to-own1 with FlexShopper, you get great options to own and save.
Early Purchase Option8 Pay off your lease anytime after the first 90 days, but before one year, and save up to 35% on your remaining balance.
52 Weekly Payments Make your easy weekly payments and after one year you own it!
Existing customers can call customer service or log in to their dashboard to get started.
Lease-to-Own1
From Home
with
Start Shopping the Largest Online Lease-to-Own Marketplace Today
FlexShopper helps people with little cash or no credit lease-to-own the products they need with easy weekly payments.
Apply for a spending limit up to $2,500 and get a decision instantly.
Applying is EASY & FREE!
How it Works
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1 On this site, we use the terms "lease," "lease agreement," "rental-purchase agreement" and "agreement" the same. (We usually use the term "Lease.") Under your Lease, you can: (a) make 52 weekly payments or exercise an Early Purchase Option to acquire Ownership of the rented goods or (b) rent the goods for at least the initial term and then end the lease when you want by making all required payments and returning the goods. In NC, the final payment required to purchase the rented goods will be an amount greater than 10% of the Cash Price.
2 You will be given a credit for one weekly payment. This credit will be applied to the second weekly payment due, provided your first payment clears. This credit will be removed from your account if your first weekly payment fails. This credit does not apply if you choose to exercise the 90 Days Same as Cash purchase option. All other terms and conditions of your Lease remain in effect. This credit is only valid for online orders.
3 Excluding the marketplace customers that reside in Florida, Texas and North Carolina, the Cash Price is the price we charge for a cash sale of the item (or $50 more than the price the merchant you select charges). However, if you rent multiple items at the same time, we reduce the Cash Price (and increase the Cost of Rental) by $50 for the second and each subsequent item you rent. This makes it less expensive to purchase the items before the end of the term of the Lease. The Cash Price may be higher than the cash price you would pay if you were to purchase the item directly from the merchant shipping the merchandise on FlexShopper’s behalf.
4Free delivery offer applies to scheduled delivery on select major appliances, furniture, treadmills, ellipticals, exercise cycles, home gyms and outdoor grills. Major appliances include standard size or larger refrigerators, washers & dryers, ranges & ovens, microwaves and dishwashers. Limited metro delivery areas. Additional parts, extensive labor and installation charges are extra. The transit time will vary by delivery address.
5 Good credit is not necessary but not everyone with bad credit is approved. Our goal is to help consumers with bad credit get goods they want through a Lease.
6 Find the same item on a one-year weekly lease at another lease-to-own company and we’ll match the other company’s cash price and weekly payment.
7 An initial security deposit and/or payment may be required.
8 Excluding the marketplace customers that reside in Florida, Texas and North Carolina you will own the item(s) and not have to pay any additional amount if you pay the full Cash Price (the Cash Price is the price we charge for a cash sale of the item (or $50 more than the price the merchant you select charges) plus sales taxes and may be higher than the price you would pay if you were to purchase the item(s) directly; if you rent multiple items at the same time, we reduce the Cash Price (and increase the Cost of Rental) by $50 for the second and each subsequent item you rent, which makes it less expensive to purchase the items before the end of the term of the Lease). After 90 days, you also have an Early Purchase Option that allows you to own your item(s) for less. Simply refer to the table in your Lease to look up the Early Purchase Option amount after each payment date.
† This is your estimated weekly payment if you used your entire spending limit. The spending limit is the total Cash Price of the goods you can lease before tax and shipping. The actual weekly payment may vary depending on how much spending limit you use and will be in your Lease. You can make 52 weekly payments or exercise an Early Purchase Option to acquire ownership of the rented goods. In NC, the final payment required to purchase the rented goods will be an amount greater than 10% of the Cash Price.