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Preferred Lease Logo

Preferred LeaseTM puts what you need within reach.

Woman shopping on mobile app

01.
Download our mobile app and apply in less than a minute.

Apply before shopping so you know exactly how much shopping power you have. All you need to do is enter some basic contact info and the last 4 of your social—no credit needed*. More Details

Download on the App StoreGet it on Google Play

You can also apply online or in-store.

If you know where you plan to shop, you can select a store and apply online or head down to a retail partner and complete an application during checkout.

02.
Get approved for a lease line of up to $4,000.*

If you're approved through the app, you’ll have a virtual lease card that can be used at any of our retail partners.

Just provide your Approval ID at checkout

Use all of your approved lease line, or just a portion

Any remaining amount is good for up to 60 days

Preferred Lease Virtual Lease Card
Ashley HomestoreBob's Discount Furniture
Electronic ExpressAmerican Signature Furnitrue

03.
Shop at over 4,700 brand-name merchants.

With your virtual lease card in-hand, you can shop with confidence, knowing exactly what you can get. Choose items from different stores and use as much of your lease line as you like.

Coming Soon!

You’ll also be able to shop online through our new Preferred MarketplaceTM or at almost any online retailer and our advanced browser technology.

04.
Take your stuff home and enjoy!

Check Out In-Store

Provide your Approval ID during checkout at a participating retailer.

Complete Your Agreement

We’ll provide a lease agreement of up to 24 months for you to review and sign.

Set Up Payments

Make an initial payment, which may be even smaller if you choose automatic payments.

Happy couple shopping online on couch

05.
Lease for the full term or purchase early at a discount.

Either way it’s yours to keep. After making payments for the agreed term, you’ll own the merchandise outright. You can also purchase early at a big discount—the sooner you do so, the more you’ll save.

No Long-Term Commitments

If you are no longer able to make payments, you can return your merchandise any time without penalty.