Snap Finance in Ames, IA or Acima Leasing: Which is Better for You?

Looking for a lease-to-own company in Ames, IA? You have choices. We compare Acima Leasing and Snap Finance to help you find the right option for your needs.

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Acima makes it possible.*

Flexible terms that put you in control.

  • Complete the Lease

    After all scheduled payments have been made as detailed in your agreement, the merchandise is yours to keep.

  • Early Purchase Savings

    You can choose to purchase your item at any point during the lease at a discount.  The sooner you do so, the more you save.

  • Hassle-Free Returns

    If you no longer want to keep an item, you have the option to return it in good condition with no further obligation.

Get started with Acima today!

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How to Choose a Lease-to-Own Company in Ames, IA

When picking a lease-to-own company in Ames, IA, you want to keep a few things in mind, including how the lease-to-own process works, the types of products you can lease, the stores you can shop at, and the eligibility requirements. We'll take a closer look at each of these factors at Acima Leasing and Snap Finance in Ames so you know which company is your best fit.

How Things Work with Snap Finance and Acima Leasing in Ames, IA

How does Snap Finance work? Or Acima Leasing? Most lease-to-own companies in Ames, IA follow similar models. First, you pick from a list of approved Ames retailers. Next, you shop online or in person and apply. Snap Finance offers approvals from $150 to $5,000, and Acima Leasing offers $300 to $5,000 in shopping power.

Once approved, shop for the eligible products you want to get, and Acima Leasing or Snap Finance in Ames, IA will purchase them on your behalf. You’ll select a payment plan and complete an initial payment. Keep making payments until the product is yours. That's all there is to it!

What Products Can You Shop for With Acima Leasing vs. Snap Finance in Ames, IA?

The items you can shop for vary based on which Ames, IA retailers are approved by Snap Finance or Acima Leasing. As a general rule of thumb, these products include furniture, jewelry, tires, mattresses, appliances, and electronics. You cannot lease 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.

What Stores Are Approved by Acima Leasing and Snap Finance in Ames, IA

Where can you shop with Acima Leasing or Snap Finance? Snap Finance partners with thousands of in-store and online retailers. You may be able to choose from local retailers in Ames, IA as well as major brands like Mattress Land, Pier 1 Imports, and Big O Tires. Check for approved retailers near you before you begin shopping.

Acmia Leasing is available at more than 15,000 retailers in person and online. Choose from small businesses in Ames and the big brands you know, including Ashley Furniture, Guitar Center, and GameStop. View our list of approved online retailers, or find Ames, IA stores near you.

Acima Leasing vs. Snap Finance Application and Requirements in Ames, IA

Snap Finance and Amica Leasing are dedicated to helping Ames, IA shoppers get the items they need — regardless of credit score. Multiple data points are taken into consideration during application review. However, they have slightly different application and eligibility criteria.

Regarding age requirements, you must be old enough to legally enter into a contract to apply for Snap Finance in Ames, IA. 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. Lastly, you will need to provide a smartphone number and email address.

With Acima Leasing, shoppers in Ames, IA also need an active checking account with at least $750 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.

Looking for Companies Like Snap Finance in Ames, IA? Try Acima Leasing

Snap Finance and Acima Leasing can greatly benefit shoppers like you in Ames, IA. You need to choose the lease-to-own company that meets your needs based on approved stores, application process, and qualification requirements. 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.