Choosing a Lease-to-Own Company in Kirkwood, MO

When selecting a lease-to-own company in Kirkwood, MO, there are a few key factors to think about, especially what items you can lease, the stores you can shop at, eligibility criteria, and how the lease-to-own process works. We’ll dive deeper into what each factor looks like at Acima Leasing in Kirkwood and Snap Finance so you know which company is your best fit.

Snap Finance in Kirkwood, MO vs. Acima Leasing: How They Work

How does Snap Finance work? Or Acima Leasing? Most lease-to-own companies in Kirkwood, MO follow similar models. To start, you choose an approved retailer in Kirkwood and shop in person or online. Then, you submit an application. Acima Leasing offers $300 to $5,000 in shopping power, and Snap Finance offers $150 to $5,000.

After you're approved, choose the eligible items you want (within your approval amount) and Acima Leasing or Snap Finance in Kirkwood, MO will purchase them on your behalf. You'll opt into a payment plan and complete your first payment. All you need to do is continue making payments until you own the item(s). It's that easy!

What Can You Lease With Acima Leasing and Snap Finance in Kirkwood, MO?

The items you can shop for in Kirkwood, MO depend on the retailers approved by Acima Leasing or Snap Finance. Typically, eligible products include appliances, tires, electronics, jewelry, mattresses, and furniture. You cannot lease anything permanently attached to a car or home, clothing, consumable goods, and services. Each company's website will have a more detailed list of the products you can and can't shop for.

Acima Leasing vs. Snap Finance Stores in Kirkwood, MO

Who accepts Snap Finance or Acima Leasing? Snap Finance is available at thousands of online and in-store retailers. These stores might include small businesses in Kirkwood, MO and big names 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 Kirkwood and the big brands you know, including Asus, Purple, and Frigidaire. View our list of approved online retailers, or find Kirkwood, MO stores near you.

Am I Qualified to Apply for Snap Finance or Acima Leasing in Kirkwood, MO?

Everyone in Kirkwood, MO 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 during application review. However, they have slightly different application and eligibility criteria.

Snap Finance requires you to be old enough to legally enter into a contract in Kirkwood, MO. 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, a smartphone number and email address must be provided.

With Acima Leasing, shoppers in Kirkwood, MO also need at least $750 in monthly income in an active checking account. 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).

Acima Leasing or Snap Finance in Kirkwood, MO, the Choice Is Yours

Acima Leasing and Snap Finance are great options for Kirkwood, MO shoppers who could use a little help. It's important to pick a lease-to-own company that matches your specific needs, taking into account 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. You could be a simple application away from the spending power you need.