Unlike most purchases, rent to own is a great way to buy something without spending a large sum of money at once. This way, you will have time to work on your budget while saving money for other needs. It is useful that products like electronics also come with rent to own options nowadays. And we are about to reveal the top websites that offer rent to own electronics no credit check no down payment needed!
Not only do these websites offer some of the best products, but they also offer you more accessible ways to get them. No more worrying about not having enough money to pay the down payment. What's more, even if you have a bad credit score, you can still use these rent to own features.
Without further ado, let's reveal our top rent to own websites for electronics that require no credit check and no down payment. If you'd like to know more about this rent to on feature, you can find some useful articles on The Shopping Tips.
LeaseVille
Even if you are not looking for a rent to own electronics program, LeaseVille is a great website to shop. Not only electronics, but they also sell other products like fitness equipment. While most places that offer rent to own program still performs a credit check to some extent, LeaseVille does not. That said, they will still require a thing or two from you.
The requirements include proof that says you have a minimum income of $1,000 per month. This can be proven by an active checking account. The account should show no overdraft for the last 30 days, along with no instance of insufficient funds. And this account should be active too, which means two things. One, you use it for at least five transactions every month. And two, it should receive at least $500 of deposits monthly.
Another thing to note is that you need to prove that you are employed at one company for at least six months. But suppose you are the recipient of one of the government's social benefits. In that case, you can bring any documents related to that instead.
All these may seem a little overwhelming, but once you have everything, the approval is instant. Though they do not require any down payment, you still need to pay a setup fee before placing your order. This fee is only $40, worth every penny to avoid the hassle. You get to rent the item for a little less than a year. You can also opt for an early pay-off, where you can settle the payment within 90 or 120 days.
YuKeep
Not only do they offer electronics, but YuKeep is also a great place to purchase other stuff, from musical instruments to home appliances. Instead of buying those products, you get to rent them. Then, you get to pay just a little more to own it at the end of the rent or lease period. But let say you don't like the product, at the end of that period, you can just return it. Isn't that convenient?
While most rent to own program only offers long-term lease, YuKeep offers short terms from five months. And you can extend this to seven months in case you need more time. If you are interested in this program, lookup for the "Flexible Lease Ownership" plan on their website.
To join this payment plan, you need to be 18 or older. YuKeep will actually consult with your credit score, but even those with bad credit still have a chance to be approved. And even though minimum credit check is required, you still need to show them your proof of income. You also need to have either a bank account or a prepaid card.
Aarons
Do you need anything other than electronics? Aarons is the one to choose. They offer a variety of products, from home appliances to furniture. Even if you don't have any cash at the moment, you can still bring some of those products home with their lease-to-own program.
Instead of doing everything online, Aarons let you come to their store and pick the products directly on the spot. Even though this seems like a more conventional way, everything will be processed quickly. You only need to wait for two hours - sometimes even less - until your application is approved.
If you prefer to have a lower installment amount, you can also opt to pay some upfront. Then pay the rest in a period of 18 to 24 months. No cash in hand? Fret not! You don't have to pay for the down payment to bring the product home.
Everyone interested in Aarons's rent to own electronics program must bring the required documents. These include a document to verify your address, proof of income, information of up to three people as references, and an active card - either debit or credit.
You may also check How to get approved for a cell phone with bad credit
RentDelite
While most rent to own electronics websites only offer cheap products, RentDelite has more. Buying expensive electronic products through their website is easy and simple. With their rent-to-own program, you get to own the item for up to one year before deciding if you want to buy it or not. They also offer the early pay-off method. With this, you get to pay even less!
Let say you agree to rent-to-own for a year, and you decide to buy the product off after just a few months. In that case, RentDelite will give you a discount. Please note that the discount rate varies depending on which state you live in. So, you need to contact each store based on your location and request a quote for this early pay-off feature.
To apply for a rent-to-own or lease-to-own program with RentDelite, you must be at least 18 years of age. They will also require a credit and debit card; the prepaid card is not accepted. You also need to have proof of steady income. In some states, they may require your credit score info. But this does not mean you will not be approved if you have bad credit.
Best Way RTO
The RTO in its name stands for Rent To Own. Being in the industry for 27 years, Best Way RTO is one of the best places for rent to own electronics with no credit check and no down payment. Pick your item on their website, and it will be delivered to you on the same day! That's what we call a good deal. If you're thinking of buying a new product now and pay it on your next paycheck, we have good news!
Best Way RTO guarantee a low price for any lease under 30 days. You can pay the lease weekly or bi-weekly. If it is too difficult for you, you can also opt for a longer-term lease. It is available for up to 30 months. This way, you can pay them either semi-monthly or monthly. The catch is that you do not get to enjoy their low-price warranty.
Rent-2-Own
Named just like the program you are looking for, Rent-2-Own offers electronics in two ways. One is through renting, and the other is through a purchase with low installments. No matter what your credit score is, they do not care. But what makes them one of the best providers of rent to own electronics no credit check no down payment, is their "no interest" policy. That's right!
Let say the product's price is $500. That is the exact amount you have to pay regardless of how many and how long the installment period you choose. They claim to have no hidden fees whatsoever. Rest assured that you won't be surprised when calculating the total payment. If anything, it will be a good kind of surprise.
Visit their website or come to their nearby store. Pick the item you would like to rent-to-own. And choose your payment plan. Even better, the delivery fee is already included! So perhaps it is time to buy a new fridge or even a dishwasher?
Conn's HomePlus
What makes Conn's HomePlus one of the best places for rent to own electronics no credit check no down payment is how simple the application process is. All you have to do is to come to one of their stores. They will guide you through this process, from choosing your item to bringing it home.
Before you go, make sure you have your proof of income. You should also have either a debit or credit account. For data purposes, they will also require any of your government-issued ID and your social security number.
Flexshopper
Those with bad credit scores should befriend Flexshopper for all the features they offer, including rent to own. You can find so many types of electronic products here, from phones to laptops. Instead of rent to own, they call theirs "Lease-To-Own." This program lets you purchase any electronic device with just four simple steps. The best part is that you can do all of them online.
Once you pick one product among the available thousand, the first step is to fill out the application form online. Add your selected item to the cart. Then you will be offered to sign a lease agreement. Here you get to decide how long the lease should be. The length of the lease determines the period you have to pay for the products. With Flexshopper, you can choose up to 52 weeks! That's more than enough to make sure you have everything you need to meet the payment requirements. And that completes the third step. The final step is the easiest: wait for your product to be delivered to your door. Usually, this only takes a few days, depending on which state you are residing in.
Like most shopping programs or features, Flexshopper's Lease-To-Own also comes with some requirements. First of all, you must be 18 or above to apply. Some states even have a different age requirement. Nebraska and Alabama, for example, say you must be 19 to be eligible. Second, they will ask for your Social Security Number or ITIN, among other data such as your address and phone number. Bad news for those living in Wisconsin, New Jersey, Wyoming, or Minnesota, as this program is not available in your area.
Rent A Center
When mentioning the best places for rent to own electronics no credit check no down payment, it is almost a sin, not to mention Rent A Center. Although they advertise their business as "no credit needed," it appears that they still check your credit. However, it is not to determine whether or not your application will be approved. It is known that Rent A Center has approved many applications from people with bad credit scores.
Instead of focusing on your credit score, you should consider meeting their other requirements. These include your proof of income, residence, and contacts of four people as references - two of them should be your relatives with different addresses. Your proof of residence can be a contract between you and your landlord or a document from your mortgage company.
Conclusion
Rent-to-Own or Lease-to-Own program is now a good method of purchasing items because of many good reasons. First and foremost, you don't have to spend a lot of money at once. Second, some providers offer no interest. How good is that?
With these stores and websites where you get to rent to own electronicis no credit check no down payment, this program is even easier. If you prefer the conventional way, go visit one of their stores and bring home your electronic or have it delivered on the same day. But if you like things simpler, just go to their websites, and you are a few clicks away from owning your favorite product.
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