What to Look for in Las Cruces, NM Lease-to-Own Companies
When picking a lease-to-own company in Las Cruces, NM, you want to keep a few things in mind, 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 Las Cruces so you can decide which company sounds best for you.
Understanding How Snap Finance and Acima Leasing in Las Cruces, NM Work
How does Acima Leasing work? Or Snap Finance? Whichever Las Cruces, NM lease-to-own company you choose, it'll likely operate the same way. You shop in person or online at an approved Las Cruces retailer and complete an application. Through Snap Finance, you may receive $150 to $5,000 in shopping power. Acima Leasing offers approvals from $300 to $5,000.
You get approved, choose the eligible items you want (within your approval amount) and Acima Leasing in Las Cruces, NM or Snap Finance will complete the purchase on your behalf. You'll opt into a payment plan and complete your 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 Las Cruces, NM?
Acima Leasing's and Snap Finance's approved retailers determine which items you can shop for in Las Cruces, NM. As a general rule of thumb, these items include furniture, jewelry, tires, mattresses, appliances, and electronics. You cannot lease anything permanently attached to a car or home, clothing, consumable goods, and services. You can visit each company’s website for a more detailed list of qualifying products.
What Stores Are Approved by Acima Leasing and Snap Finance in Las Cruces, NM
Where can you shop with Acima Leasing or Snap Finance? Snap Finance is available at thousands of online and in-store retailers. You may be able to choose from local retailers in Las Cruces, NM as well as major brands like Pier 1 Imports, Big O Tires, and Mattress Land. Confirm which nearby retailers are approved before you shop.
Acima Leasing partners with more than 15,000 retailers online and in person. Your options range from small Las Cruces businesses to trusted name brands, including Asus, Purple, and Frigidaire. View our list of approved online retailers, or find Las Cruces, NM stores near you.
What’s Needed to Apply for Acima Leasing or Snap Finance in Las Cruces, NM
Both Snap Finance and Amica Leasing support Las Cruces, NM residents with less-than-perfect credit in getting the essentials they need. Multiple data points are taken into consideration during application review. However, they have slightly different application and eligibility criteria.
To apply for Snap Finance in Las Cruces, NM, you must be old enough to legally enter into a contract. 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. And you have to provide an email address and smartphone number.
Acima Leasing in Las Cruces, NM also requires an active checking account with $750 or more 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 Las Cruces, NM, the Choice Is Yours
Many shoppers across Las Cruces, NM 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, lease-to-own process, and qualification requirements. Download the app and check out customer reviews to decide if Acima Leasing is the perfect match. You could be a simple application away from the spending power you need.