How to Choose a Lease-to-Own Company in Horseheads, NY
When picking a lease-to-own company in Horseheads, NY, 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 Horseheads so you can find the right company for you.
Understanding How Snap Finance and Acima Leasing in Horseheads, NY Work
How does Acima Leasing work? Or Snap Finance? Most Horseheads, NY lease-to-own companies operate similarly. To start, you choose an approved retailer in Horseheads 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.
If you're approved, pick the eligible items you want, and Acima Leasing in Horseheads, NY or Snap Finance will complete the purchase on your behalf. You'll opt into a payment plan and complete your first payment. Keep making payments until the product is yours. That's all there is to it!
Horseheads, NY Product Selections: Acima Leasing vs. Snap Finance
The items you can shop for vary based on which Horseheads, NY retailers are approved by Snap Finance or Acima Leasing. Generally, these items include jewelry, electronics, furniture, mattresses, tires, and appliances. Prohibited items include clothing, consumable goods, services, and anything permanently attached to a home or car. Each company's website will have a more detailed list of the products you can and can't shop for.
Horseheads, NY and Online Stores Accepting Acima Leasing and Snap Finance
What stores are approved by Snap Finance or Acima Leasing? Snap Finance partners with thousands of in-store and online retailers. You may be able to choose from local retailers in Horseheads, NY as well as major brands like Pier 1 Imports, Big O Tires, and Mattress Land. Confirm which nearby retailers are approved before you shop.
More than 15,000 online and in-store retailers partner with Acima Leasing. Your options range from small Horseheads businesses to national brands you love, including Ikea, Bestbuy, and Goodyear. Find stores near you in Horseheads, NY, or check out our approved online retailers.
What Are the Requirements for Acima Leasing vs. Snap Finance in Horseheads, NY?
Snap Finance and Amica Leasing are dedicated to helping Horseheads, NY shoppers get the items they need — regardless of credit score. Each company weighs multiple data points when reviewing applications and deciding spending power. 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 Horseheads, NY. 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. Finally, you will need to share your email address and smartphone number.
For Acima Leasing in Horseheads, NY, you will also need at least $750 in monthly income in an active checking account. Additionally, 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.
Consider Acima Leasing as Your Horseheads, NY Lease-to-Own Company
Acima Leasing and Snap Finance are great options for Horseheads, NY 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 stores, process for applying, and criteria for approval. Is Acma Leasing right for you? Read our customer reviews online and download the app. A simple application could put the items you need in your hands today.