Choosing a Lease-to-Own Company in Laurel, MS
When picking a lease-to-own company in Laurel, MS, there are a few key factors to think about, 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 dive deeper into what each factor looks like at Acima Leasing in Laurel and Snap Finance so you can decide which company sounds best for you.
How Does Lease-to-Own in Laurel, MS Work?
How does Acima Leasing work? Or Snap Finance? Most lease-to-own companies in Laurel, MS follow similar models. You shop at an approved Laurel retailer online or in person and fill out an application. Acima Leasing offers $300 to $5,000 in shopping power, and Snap Finance offers $150 to $5,000.
Once approved, pick the eligible items you want, and Acima Leasing or Snap Finance in Laurel, MS will purchase them on your behalf. You'll pick a payment plan that works for you and may be asked to make a first payment. Continue making payments until you own the product(s) outright — it’s that simple!
What Items Can You Get With Acima Leasing or Snap Finance in Laurel, MS?
The products you can shop for with Acima Leasing and Snap Finance are determined by the eligible retailers in Laurel, MS. Typically, eligible items include mattresses, appliances, tires, electronics, furniture, and jewelry. Ineligible items include services, anything permanently attached to a home or car, clothing, and consumable goods. Each company's website will have a more detailed list of the products you can and can't shop for.
Laurel, MS Snap Finance Stores vs. Acima Leasing
Where can you shop with Acima Leasing or Snap Finance? Snap Finance partners with thousands of in-store and online retailers. Your options may include local Laurel, MS retailers and well-known brands like Mattress Land, Pier 1 Imports, and Big O Tires. Confirm which nearby retailers are approved before you shop.
More than 15,000 online and in-store retailers partner with Acima Leasing. Choose from small businesses in Laurel and national brands you love, including Ashley Furniture, Guitar Center, and GameStop. View our list of approved online retailers, or find Laurel, MS stores near you.
Acima Leasing vs. Snap Finance Application and Requirements in Laurel, MS
Everyone in Laurel, MS deserves to get the items they need, even if they don't have the best credit. Acima Leasing and Snap Finance are here to help those shoppers. Multiple data points are taken into consideration when reviewing applications and deciding 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 Laurel, MS. You also need a steady monthly income of $750 to $1,000 (depending on your desired product) in an active checking account. Finally, a smartphone number and email address must be provided.
With Acima Leasing, shoppers in Laurel, MS also need an active checking account with at least $750 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.
Acima Leasing or Snap Finance in Laurel, MS, the Choice Is Yours
Many shoppers across Laurel, MS can benefit from Acima Leasing and Snap Finance — including you. Select the lease-to-own company that aligns with your needs, considering eligible stores, lease-to-own process, 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. The spending power you need is a quick application away.