How to Choose a Lease-to-Own Company in Parma Heights, OH
When comparing lease-to-own companies in Parma Heights, OH, you should consider several factors, including eligibility requirements, how the process works, the stores you can shop at, and what products you can lease. We'll explore what each of these factors looks like at Snap Finance in Parma Heights and Acima Leasing so you know which company is your best fit.
Understanding How Snap Finance and Acima Leasing in Parma Heights, OH Work
How does Acima Leasing work? Or Snap Finance? Most lease-to-own companies in Parma Heights, OH follow similar models. To start, you choose an approved retailer in Parma Heights and shop in person or online. Then, you fill out an application. Acima Leasing offers $300 to $5,000 in shopping power, and Snap Finance offers $150 to $5,000.
If you're approved, choose the eligible items you want (within your approval amount) and Acima Leasing in Parma Heights, OH or Snap Finance will complete the purchase on your behalf. You’ll select a payment plan and complete an initial payment. Simply keep making payments until the item is yours — it's that straightforward!
Parma Heights, OH Product Selections: Acima Leasing vs. Snap Finance
The products you can shop for with Acima Leasing and Snap Finance are determined by the eligible retailers in Parma Heights, OH. Generally, eligible products include jewelry, electronics, furniture, mattresses, tires, and appliances. Prohibited items include 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.
What Stores Are Approved by Acima Leasing and Snap Finance in Parma Heights, OH
What stores are approved by Snap Finance or Acima Leasing? Snap Finance is available at thousands of online and in-store retailers. Your options may include local Parma Heights, OH retailers and well-known brands like Pier 1 Imports, Big O Tires, and Mattress Land. Confirm your favorite retailer is a Snap Finance partner before shopping.
Acmia Leasing is available at more than 15,000 retailers in person and online. Select from local Parma Heights stores and the big brands you know, including GoPro, P.C. Richards & Son, and Big Lots. View our list of approved online retailers, or find Parma Heights, OH stores near you.
Acima Leasing vs. Snap Finance Application and Requirements in Parma Heights, OH
Both Snap Finance and Amica Leasing aim to help shoppers in Parma Heights, OH with less-than-perfect credit get the items they need. Each company will examine multiple data points to determine your eligibility and spending power. However, they differ slightly in their application and eligibility requirements.
For Snap Finance, you must be old enough to legally enter into a contract in Parma Heights, OH. 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. Finally, you will need to provide a smartphone number and email address.
With Acima Leasing, shoppers in Parma Heights, OH also need at least $750 in monthly income in an active checking account. Moreover, 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 Parma Heights, OH, the Choice Is Yours
Acima Leasing and Snap Finance are great options for Parma Heights, OH shoppers who could use a little help. You need to choose the lease-to-own company that meets your needs based on eligible stores, application process, and criteria for approval. You can read customer reviews online and download the app to see if Acima Leasing is the best fit for you. A simple application could put the items you need in your hands today.