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Preferred Lease is a “no credit needed”, alternative way to shop for the name-brand items you want, at the stores you want, without paying cash or using credit. After completing an easy application process, you’ll be approved instantly to begin a lease-purchase agreement that will allow you to get your merchandise right away for a low initial payment, then make affordable payments as you go.

Preferred Lease is currently offered at thousands of retailers nationwide that sell the latest name-brand furniture, appliances, electronics, computers, fitness equipment, tires, and more.

Preferred Lease owns the merchandise until you’re ready to own it.

If you prefer predictable payments and the flexibility of the lease, you can own it when the lease term is over. If you’re ready sooner, you can exercise the Early Purchase Option described in the agreement and save over the total cost of the lease.

If you wish to stop making payments before the lease term is completed, you can return your merchandise at any time.

Because Preferred Lease is a “no credit needed” option, no credit history is required and we do not require a minimum FICO credit score. All you need is to get started is your name, social security number, and contact information.

Yes. We report your payments to the credit bureaus. Each on-time payment can help build your credit history and help with future transactions. (Credit reporting is not available in Arizona or California.)