What to Look for in Ottumwa, IA Lease-to-Own Companies
When selecting a lease-to-own company in Ottumwa, IA, 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 take a closer look at each of these factors at Acima Leasing and Snap Finance in Ottumwa so you know which company is your best fit.
Snap Finance in Ottumwa, IA vs. Acima Leasing: How They Work
How do Acima Leasing and Snap Finance work? Most lease-to-own companies in Ottumwa, IA follow similar models. You shop at an approved Ottumwa retailer 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.
If you're approved, choose the eligible items you want (within your approval amount) and Snap Finance in Ottumwa, IA or Acima Leasing will buy them on your behalf. You'll choose your payment plan and make an initial payment. Keep making payments until the product is yours. That's all there is to it!
What Items Can You Get With Acima Leasing or Snap Finance in Ottumwa, IA?
Acima Leasing's and Snap Finance's approved retailers determine which items you can shop for in Ottumwa, IA. Generally, eligible items include tires, furniture, appliances, jewelry, electronics, and mattresses. Prohibited items include consumable goods, anything permanently attached to a car or home, services, and clothing. Check each company's website ahead of time to see what items you're allowed to shop for.
Ottumwa, IA Snap Finance Stores vs. Acima Leasing
What stores are approved by Snap Finance or Acima Leasing? Snap Finance works with thousands of retailers in-store and online. These stores might include small businesses in Ottumwa, IA and big names like Mattress Land, Pier 1 Imports, and Big O Tires. Confirm your favorite retailer is a Snap Finance partner before shopping.
Acmia Leasing is available at more than 15,000 retailers in person and online. Choices include local business in Ottumwa and national brands you love, including Ikea, Bestbuy, and Goodyear. View our list of approved online retailers, or find Ottumwa, IA stores near you.
What Are the Requirements for Acima Leasing vs. Snap Finance in Ottumwa, IA?
For shoppers in Ottumwa, IA with less-than-perfect credit, both Snap Finance and Amica Leasing provide the opportunity to get the items 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 Ottumwa, IA. 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. Lastly, you will need to provide a smartphone number and email address.
With Acima Leasing, shoppers in Ottumwa, IA also need an active checking account with at least $750 in monthly income. Additionally, you must be 18 years or older and have 3 months of history with your current income source, a government-issued ID, and a social security number or Individual Taxpayer Identification Number (ITIN).
Interested in Companies Like Snap Finance? Consider Acima Leasing in Ottumwa, IA
Many shoppers across Ottumwa, IA can benefit from Acima Leasing and Snap Finance — including you. You need to choose the lease-to-own company that meets your needs based on eligible stores, process for applying, and criteria for approval. You can read customer reviews online and download the app to see if Acima Leasing is the best fit for you. You could be a simple application away from the spending power you need.