What to Look for in Columbia, MO Lease-to-Own Companies
When choosing a lease-to-own company in Columbia, MO, you should consider several factors, including eligibility requirements, how the process works, the stores you can shop at, and what products you can lease. We'll examine each factor closely to see how it applies to Acima Leasing and Snap Finance in Columbia so you can decide which company sounds best for you.
Understanding How Snap Finance and Acima Leasing in Columbia, MO Work
How does Acima Leasing work? Or Snap Finance? Whichever Columbia, MO lease-to-own company you choose, it'll likely operate the same way. You shop at an approved Columbia retailer online or in person and submit an application. Acima Leasing offers $300 to $5,000 in shopping power, and Snap Finance offers $150 to $5,000.
You get approved, shop for the eligible products you want to get, and Acima Leasing in Columbia, MO or Snap Finance will complete the purchase 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 Columbia, MO?
The items you can shop for vary based on which Columbia, MO retailers are approved by Snap Finance or Acima Leasing. As a general rule of thumb, eligible products include tires, furniture, appliances, jewelry, electronics, and mattresses. 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.
Columbia, MO Snap Finance Stores vs. Acima Leasing
What stores are approved by 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 Columbia, MO as well as major brands like Big O Tires, Mattress Land, and Pier 1 Imports. Check for approved retailers near you before you begin shopping.
More than 15,000 online and in-store retailers partner with Acima Leasing. Choose from small businesses in Columbia and national brands you trust, including Ashley Furniture, Guitar Center, and GameStop. View our list of approved online retailers, or find Columbia, MO stores near you.
What Are the Requirements for Acima Leasing vs. Snap Finance in Columbia, MO?
Snap Finance and Acima Leasing both want to help shoppers in Columbia MO get the items they need — even if they don't have perfect credit. Each company weighs multiple data points during application review. Yet, each has its own set of application and eligibility criteria.
For Snap Finance, you must be old enough to legally enter into a contract in Columbia, MO. You also need a steady monthly income of $750 to $1,000 (depending on your desired product) in an active checking account. And a smartphone number and email address must be provided.
With Acima Leasing, shoppers in Columbia, MO also need an active checking account with at least $750 in monthly income. Furthermore, you must provide a government-issued ID and social security or Individual Taxpayer Identification Number (ITIN), have at least a 3-month history with your current income source, and be 18 years or older.
Interested in Companies Like Snap Finance? Consider Acima Leasing in Columbia, MO
Snap Finance and Acima Leasing can greatly benefit shoppers like you in Columbia, MO. Choose the lease-to-own company that works best for you based on eligible retailers, application process, and criteria for approval. Reading customer reviews and browsing the app can help determine if Acima Leasing is the best match. A simple application could put the items you need in your hands today.