Comparing Acima Leasing and Snap Finance in Port Jefferson Station, NY

You’re ready to shop with help from a lease-to-own company in Port Jefferson Station, NY. But do you go with Acma Leasing or Snap Finance? We cover the important details about each company to help you make a decision.

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Flexible terms that put you in control.

  • Complete the Lease

    After all scheduled payments have been made as detailed in your agreement, the merchandise is yours to keep.

  • Early Purchase Savings

    You can choose to purchase your item at any point during the lease at a discount.  The sooner you do so, the more you save.

  • Hassle-Free Returns

    If you no longer want to keep an item, you have the option to return it in good condition with no further obligation.

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What to Look for in Port Jefferson Station, NY Lease-to-Own Companies

When selecting a lease-to-own company in Port Jefferson Station, NY, there are a few key factors to think about, including how the lease-to-own process works, the types of products you can lease, the stores you can shop at, and the eligibility requirements. We'll explore what each of these factors looks like at Snap Finance in Port Jefferson Station and Acima Leasing so you can determine which company is right for you.

How Does Lease-to-Own in Port Jefferson Station, NY Work?

How does Acima Leasing work? Or Snap Finance? Lease-to-own companies in Port Jefferson Station, NY tend to work the same way. To start, you choose an approved retailer in Port Jefferson Station and shop in person or online. Then, you fill out an application. Snap Finance offers approvals from $150 to $5,000, and Acima Leasing offers $300 to $5,000 in shopping power.

Once approved, choose the eligible items you want (within your approval amount) and Acima Leasing or Snap Finance in Port Jefferson Station, NY will purchase them on your behalf. You’ll select a payment plan and complete an initial payment. All you need to do is continue making payments until you own the item(s). It's that easy!

Port Jefferson Station, NY Product Selections: Acima Leasing vs. Snap Finance

Acima Leasing's and Snap Finance's approved retailers determine which items you can shop for in Port Jefferson Station, NY. Usually, eligible items include mattresses, appliances, tires, electronics, furniture, and jewelry. Prohibited products include services, anything permanently attached to a home or car, clothing, and consumable goods. You can visit each company’s website for a more detailed list of qualifying products.

Acima Leasing vs. Snap Finance Stores in Port Jefferson Station, NY

Where can you shop with Acima Leasing or Snap Finance? Snap Finance partners with thousands of in-store and online retailers. You may be able to choose from local retailers in Port Jefferson Station, NY as well as major brands like Pier 1 Imports, Big O Tires, and Mattress Land. Before you start shopping, verify which retailers near you are approved.

More than 15,000 online and in-store retailers partner with Acima Leasing. Choices include local business in Port Jefferson Station and national brands you trust, including Ashley Furniture, Guitar Center, and GameStop. Start shopping at one of our approved online retailers or in person at a store near you in Port Jefferson Station, NY.

What Are the Requirements for Acima Leasing vs. Snap Finance in Port Jefferson Station, NY?

Both Snap Finance and Amica Leasing aim to help shoppers in Port Jefferson Station, NY with less-than-perfect credit get the items they need. Each company weighs multiple data points 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 Port Jefferson Station, 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, you will need to share your email address and smartphone number.

For Acima Leasing in Port Jefferson Station, NY, you will also need an active checking account and a monthly income of $750 or more. Furthermore, you must have 3 months of history with your current source of income, be at least 18 years old, and provide a social security number or Individual Taxpayer Identification Number (ITIN) and government-issued identification.

Acima Leasing or Snap Finance in Port Jefferson Station, NY, the Choice Is Yours

Acima Leasing and Snap Finance are great options for Port Jefferson Station, 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 retailers, application process, and qualification criteria. Reading customer reviews and browsing the app can help determine if Acima Leasing is the best match. The spending power you need is a quick application away.