What to Look for in Smithton, IL Lease-to-Own Companies
When picking a lease-to-own company in Smithton, IL, you want to keep a few things in mind, 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 Smithton and Acima Leasing so you can find the right company for you.
How Does Lease-to-Own in Smithton, IL Work?
Are there any differences in how Snap Finance and Acima Leasing work? Most lease-to-own companies in Smithton, IL follow similar models. To start, you choose an approved retailer in Smithton and shop in person or online. Then, you fill out an application. Acima Leasing offers $300 to $5,000 in shopping power, and Snap Finance offers $150 to $5,000.
After you're approved, pick the eligible items you want, and Acima Leasing in Smithton, IL or Snap Finance will complete the purchase on your behalf. You'll pick a payment plan that works for you and may be asked to make a first payment. All you need to do is continue making payments until you own the item(s). It's that easy!
Smithton, IL Product Selections: Acima Leasing vs. Snap Finance
Acima Leasing's and Snap Finance's approved retailers determine which items you can shop for in Smithton, IL. Generally, eligible items include furniture, jewelry, tires, mattresses, appliances, and electronics. You cannot lease clothing, consumable goods, services, and anything permanently attached to a home or car. You can visit each company’s website for a more detailed list of qualifying products.
Smithton, IL Snap Finance Stores vs. Acima Leasing
Where can you shop with help from Snap Finance or Acima Leasing? Snap Finance is available at thousands of online and in-store retailers. You may be able to choose from local retailers in Smithton, IL as well as major brands like Mattress Land, Pier 1 Imports, and Big O Tires. Confirm which nearby retailers are approved before you shop.
Acima Leasing partners with more than 15,000 retailers online and in person. Choose from small businesses in Smithton and trusted name brands, including Asus, Purple, and Frigidaire. Find stores near you in Smithton, IL, or check out our approved online retailers.
What Are the Requirements for Acima Leasing vs. Snap Finance in Smithton, IL?
Snap Finance and Acima Leasing both want to help shoppers in Smithton IL get the items they need — even if they don't have perfect credit. Each company will examine multiple data points during application review. However, they have slightly different application and eligibility criteria.
To apply for Snap Finance in Smithton, IL, you must be old enough to legally enter into a contract. 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.
For Acima Leasing in Smithton, IL, you will also need an active checking account with $750 or more in monthly income. Moreover, 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 Smithton, IL, the Choice Is Yours
Many shoppers across Smithton, 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, application process, and approval criteria. Is Acma Leasing right for you? Read our customer reviews online and download the app. You could be a simple application away from the spending power you need.