Affirm
Split purchases into 4 interest-free payments or use longer monthly plans for larger orders. Terms range from short-term pay-in-4 to extended installment options based on approval.
Shop Pay Installments
Break any order into 4 interest-free payments or select structured monthly installments. Fast approval process with no impact to your credit score when checking eligibility.
Klarna
Flexible plans for larger purchases allowing payment over 6–24 months with low-interest or interest-free options depending on the plan.
Acima
No credit needed. Lease-to-own program designed for flexible ownership over time. Easy application, instant decision, and budget-friendly renewal payments with early purchase options.
Koalafi
No credit needed. Lease-to-own program with fast approvals and clear payment terms. Structured ownership path with flexible early purchase discounts.
Progressive Leasing
No credit needed. Lease-to-own option with automatic recurring payments and early payoff savings. Simple online application with quick decisions.
90-Day Layaway
No credit check. No interest. No fees. Buy any item with 20% down and pay the balance within 90 days. Balance must be paid before pickup or delivery.
Frequently Asked Questions
What’s the difference between financing and lease-to-own?
What’s the difference between financing and lease-to-own?
Financing uses credit-based approval and fixed payment terms. Lease-to-own programs use flexible approvals with no credit needed and offer early ownership options.
Do lease-to-own options affect my credit?
Do lease-to-own options affect my credit?
Most lease-to-own partners use alternative approval methods that don’t rely on traditional credit checks. They typically don’t impact your credit score.
Can I get approved with low or no credit?
Can I get approved with low or no credit?
Lease-to-own partners such as Acima, Koalafi, and Progressive Leasing specialize in no-credit-needed approvals.
Which payment option is the fastest?
Which payment option is the fastest?
Instant decisions are available across all partners. Pay-in-4 installment tools like Shop Pay and Affirm usually approve the quickest.
Can I pay off a lease early?
Can I pay off a lease early?
Each lease-to-own partner includes early purchase options.
Can I use these payment options for any product?
Can I use these payment options for any product?
Most items are eligible, including furniture, mattresses, and home goods. Some restrictions may apply per partner.