How to Choose a Lease-to-Own Company in Niagara Falls, NY
When choosing a lease-to-own company in Niagara Falls, NY, there are several factors to consider, 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 Niagara Falls so you can decide which company sounds best for you.
How Does Lease-to-Own in Niagara Falls, NY Work?
How do Acima Leasing and Snap Finance work? Most lease-to-own companies in Niagara Falls, NY follow similar models. You shop in person or online at an approved Niagara Falls retailer and apply. With Snap Finance, you can be approved for $150 to $5,000. With Acima Leasing, you could get $300 to $5,000 in shopping power.
If you're approved, pick the eligible items you want, and Acima Leasing or Snap Finance in Niagara Falls, NY will purchase them 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!
What Products Can You Shop for With Acima Leasing vs. Snap Finance in Niagara Falls, NY?
Acima Leasing's and Snap Finance's approved retailers determine which items you can shop for in Niagara Falls, NY. Generally, these 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. Check each company's website ahead of time to see what items you're allowed to shop for.
Acima Leasing vs. Snap Finance Stores in Niagara Falls, NY
Where can you shop with Acima Leasing or Snap Finance? You can apply for Snap Finance at thousands of online and brick-and-mortar stores. You may be able to choose from local retailers in Niagara Falls, NY as well as major brands like Pier 1 Imports, Big O Tires, and Mattress Land. Confirm your favorite retailer is a Snap Finance partner before shopping.
Acima Leasing partners with more than 15,000 retailers online and in person. Select from local Niagara Falls stores and trusted name brands, including GoPro, P.C. Richards & Son, and Big Lots. View our list of approved online retailers, or find Niagara Falls, NY stores near you.
What Are the Requirements for Acima Leasing vs. Snap Finance in Niagara Falls, NY?
Everyone in Niagara Falls, NY 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. Each company considers multiple data points to determine your eligibility and spending power. However, they have slightly different application and eligibility criteria.
For Snap Finance, you must be old enough to legally enter into a contract in Niagara Falls, NY. 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. Lastly, a smartphone number and email address must be provided.
For Acima Leasing in Niagara Falls, NY, you will also need an active checking account with $750 or more in monthly income. Furthermore, 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).
Looking for Companies Like Snap Finance in Niagara Falls, NY? Try Acima Leasing
Many shoppers across Niagara Falls, NY 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 the stores they partner with, lease-to-own process, and approval criteria. 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.