Choosing Your Fort Smith, AR Lease-to-Own Company
When choosing a lease-to-own company in Fort Smith, AR, there are several factors to consider, especially what items you can lease, the stores you can shop at, eligibility criteria, and how the lease-to-own process works. We'll explore what each of these factors looks like at Snap Finance in Fort Smith and Acima Leasing so you can determine which company is right for you.
Understanding How Snap Finance and Acima Leasing in Fort Smith, AR Work
How does Acima Leasing work? Or Snap Finance? Lease-to-own companies in Fort Smith, AR tend to work the same way. You shop at an approved Fort Smith retailer online or in person and submit an application. With Snap Finance, you can be approved for $150 to $5,000. With Acima Leasing, you could get $300 to $5,000 in shopping power.
If you're approved, select the eligible products you want, and Acima Leasing or Snap Finance in Fort Smith, AR will purchase them on your behalf. You'll opt into a payment plan and complete your first payment. Keep making payments until the product is yours. That's all there is to it!
What Can You Lease With Acima Leasing and Snap Finance in Fort Smith, AR?
Acima Leasing's and Snap Finance's approved retailers determine which items you can shop for in Fort Smith, AR. Typically, eligible items include mattresses, appliances, tires, electronics, furniture, and jewelry. Products you can't lease include clothing, consumable goods, services, and anything permanently attached to a home or car. Each company's website will have a more detailed list of the products you can and can't shop for.
Fort Smith, AR Snap Finance Stores vs. Acima Leasing
Where can you shop with Acima Leasing or Snap Finance? You can apply for Snap Finance at thousands of online and brick-and-mortar stores. These stores might include small businesses in Fort Smith, AR and big names like Pier 1 Imports, Big O Tires, and Mattress Land. Before you start shopping, verify which retailers near you are approved.
More than 15,000 online and in-store retailers partner with Acima Leasing. Choose from small businesses in Fort Smith and national brands you trust, including GoPro, P.C. Richards & Son, and Big Lots. View our list of approved online retailers, or find Fort Smith, AR stores near you.
What’s Needed to Apply for Acima Leasing or Snap Finance in Fort Smith, AR
Both Snap Finance and Amica Leasing aim to help shoppers in Fort Smith, AR with less-than-perfect credit get the items they need. Each company considers multiple data points during application review. However, they have slightly different application and eligibility criteria.
For Snap Finance, you must be old enough to legally enter into a contract in Fort Smith, AR. Snap Finance also requires an active checking account with a consistent monthly income of $750 to $1000, varying based on the type of product you're shopping for. And a smartphone number and email address must be provided.
Acima Leasing in Fort Smith, AR also requires an active checking account with $750 or more in monthly income. Furthermore, you need to be 18 years or older, provide a government-issued ID and a Social Security number or ITIN (Individual Taxpayer Identification Number), and have a 3-month history with your current source of income.
Consider Acima Leasing as Your Fort Smith, AR Lease-to-Own Company
Acima Leasing and Snap Finance have a lot to offer shoppers in Fort Smith, AR. Choose the lease-to-own company that works best for you based on eligible stores, lease-to-own process, and criteria for approval. Reading customer reviews and browsing the app can help determine if Acima Leasing is the best match. A quick application could be all that stands between you and the spending power you need.