Choosing a Lease-to-Own Company in Albany, OR
When selecting a lease-to-own company in Albany, OR, you want to keep a few things in mind, including eligibility requirements, how the process works, the stores you can shop at, and what products you can lease. We'll examine each factor closely to see how it applies to Acima Leasing and Snap Finance in Albany so you can decide which company sounds best for you.
How Does Lease-to-Own in Albany, OR Work?
How do Acima Leasing and Snap Finance work? Most lease-to-own companies in Albany, OR follow similar models. To start, you choose an approved retailer in Albany and shop in person or online. Then, you submit an application. Snap Finance offers approvals from $150 to $5,000, and Acima Leasing offers $300 to $5,000 in shopping power.
You get approved, shop for the eligible products you want to get, and Acima Leasing or Snap Finance in Albany, OR will purchase them on your behalf. You'll pick a payment plan that works for you and may be asked to make a first payment. Simply keep making payments until the item is yours — it's that straightforward!
What Products Can You Shop for With Acima Leasing vs. Snap Finance in Albany, OR?
The items you can shop for in Albany, OR depend on the retailers approved by Acima Leasing or Snap Finance. As a general rule of thumb, these products include jewelry, electronics, furniture, mattresses, tires, and appliances. 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 Albany, OR
Who accepts Snap Finance or Acima Leasing? 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 Albany, OR as well as major brands like Big O Tires, Mattress Land, and Pier 1 Imports. Before you start shopping, verify which retailers near you are approved.
More than 15,000 online and in-store retailers partner with Acima Leasing. Choose from small businesses in Albany and trusted name brands, including Ikea, Bestbuy, and Goodyear. View our list of approved online retailers, or find Albany, OR stores near you.
What Are the Requirements for Acima Leasing vs. Snap Finance in Albany, OR?
Snap Finance and Acima Leasing both want to help shoppers in Albany OR get the items they need — even if they don't have perfect credit. Multiple data points are taken into consideration during application review. Yet, each has its own set of application and eligibility criteria.
To apply for Snap Finance in Albany, OR, you must be old enough to legally enter into a contract. You also need a steady monthly income of $750 to $1,000 (depending on your desired product) in an active checking account. Lastly, a smartphone number and email address must be provided.
For Acima Leasing in Albany, OR, you will also need an active checking account with at least $750 in monthly income. Additionally, 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 Albany, OR, the Choice Is Yours
Many shoppers across Albany, OR can benefit from Acima Leasing and Snap Finance — including you. It's important to pick a lease-to-own company that matches your specific needs, taking into account eligible stores, application process, and qualification requirements. 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.