How It Works
Payment Plans that Work for You!
All credit profiles welcome to apply. Pre-qualify with no impact to your credit⁵.
Multiple Lenders
FlexShopper
A Whole New Way to Shop
Tomorrow
Options
Frequently Asked Questions
Give Yourself Peace of Mind
Disclaimers:
¹ If you are approved for a lease this is your estimated weekly lease payment. 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) weekly, biweekly, or monthly payments or exercise an Early Purchase Option pursuant to your payment offer (not applicable in FL, NC and TX) and some restrictions may apply in CA 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.
If you are approved for a loan the weekly payment is only an estimate. Please review the actual terms in your loan agreement if you are approved. Your rates, terms and payment schedule are subject to approval pursuant to underwriting criteria and may vary by state. FlexShopper provides offers for Lease to Own Options, however, we do not make any loan or credit decisions and are not representative, brokers or agents for any Lenders.
³ If approved by FlexShopper customers that reside in Florida, Texas and North Carolina, the Cash Price is the price we charge for a cash sale of the item. 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 and/or affiliates behalf. If approved by another payment option provider the cash price is the invoice amount of the item excluding taxes, shipping and other fees.
⁵ Good credit is not necessary but not everyone with bad credit is approved. Our goal is to help consumers with not so perfect credit get goods they want through a payment offer that works for you.
⁷ An initial payment or security deposit and/or payment may be required before fulfillment.
⁸ If approved by FlexShopper 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. If approved by another payment option provider please refer to the terms and conditions of your agreement.
⁹ All lease/loan decisions and rates and terms are subject to approval pursuant to underwriting criteria. Rates and terms may also vary depending upon the state where you reside.
FlexShopper is not a lender.
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One No-Risk Application
One Trusted Financing Solution
What information is needed to apply?
- To apply, you must:
- 1. 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 source of income
- 4. Reside in the U.S. (not all offerings are available in all states)
- 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.
Do you work with multiple lenders/lessors?
Yes. We have partnered with multiple lenders/lessors to help with application processing and payment solutions. We route your application through a network to find a payment solution for your unique credit profile.
How do I use FlexShopper?
- 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. Sign & Ship — Once your agreement 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.
Are there application fees?
There are no application fees! You are under no obligation to any lender/lessor until you sign your agreement. Full terms and conditions will be presented to you prior to signature.
How long does it take to get approved?
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.
My credit is not great. How good does my credit score need to be to apply?
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.