What to Look for in Chatham, IL Lease-to-Own Companies

When comparing lease-to-own companies in Chatham, IL, you should consider several factors, such as the stores you can shop at, the items you can lease, eligibility criteria, and how the process works. We'll explore what each of these factors looks like at Snap Finance in Chatham and Acima Leasing so you can determine which company is right for you.

Snap Finance in Chatham, IL vs. Acima Leasing: How They Work

How do Acima Leasing and Snap Finance work? Whichever Chatham, IL lease-to-own company you choose, it'll likely operate the same way. First, you pick from a list of approved Chatham retailers. Next, you shop online or in person and fill out an application. Snap Finance offers approvals from $150 to $5,000, and Acima Leasing offers $300 to $5,000 in shopping power.

You get approved, pick the eligible items you want, and Acima Leasing or Snap Finance in Chatham, IL will purchase them on your behalf. You'll opt into a payment plan and complete your first payment. Simply keep making payments until the item is yours — it's that straightforward!

What Can You Lease With Acima Leasing and Snap Finance in Chatham, IL?

Acima Leasing's and Snap Finance's approved retailers determine which items you can shop for in Chatham, IL. Generally, these products include appliances, tires, electronics, jewelry, mattresses, and furniture. Prohibited items include anything permanently attached to a car or home, clothing, consumable goods, and services. Check each company's website ahead of time to see what items you're allowed to shop for.

Acima Leasing vs. Snap Finance Stores in Chatham, IL

Where can you shop with help from Snap Finance or Acima Leasing? Snap Finance is available at thousands of online and in-store retailers. Approved stores could include anything from local Chatham, IL businesses to household names like Big O Tires, Mattress Land, and Pier 1 Imports. Before you start shopping, verify which retailers near you are approved.

More than 15,000 online and in-store retailers partner with Acima Leasing. Choices include local business in Chatham and national brands you love, including Ashley Furniture, Guitar Center, and GameStop. Start shopping at one of our approved online retailers or in person at a store near you in Chatham, IL.

Am I Qualified to Apply for Snap Finance or Acima Leasing in Chatham, IL?

Both Snap Finance and Amica Leasing support Chatham, IL residents with less-than-perfect credit in getting the essentials they need. Multiple data points are taken into consideration to determine your eligibility and spending power. But application and eligibility criteria differ slightly between companies.

For Snap Finance, you must be old enough to legally enter into a contract in Chatham, IL. You must also have an active checking account and a consistent monthly income between $750 and $1000. This amount can vary based on the type of product you want. And you will need to provide a smartphone number and email address.

With Acima Leasing, shoppers in Chatham, IL also need at least $750 in monthly income in an active checking account. Additionally, you must have 3 months of history with your current source of income, be at least 18 years old, and provide a social security number or Individual Taxpayer Identification Number (ITIN) and government-issued identification.

Acima Leasing or Snap Finance in Chatham, IL, the Choice Is Yours

Many shoppers across Chatham, IL can benefit from Acima Leasing and Snap Finance — including you. Choose the lease-to-own company that works best for you based on the stores they partner with, lease-to-own process, and approval requirements. Reading customer reviews and browsing the app can help determine if Acima Leasing is the best match. The spending power you need is a quick application away.