Category - How It Works

How It Works

FlexShopper: How It Works

Check out this quick video to learn more about FlexShopper! Shop over 100,000 products with new deals added every day from our partners Best Buy, Amazon, Walmart, and Overstock.com (to name a few). Enjoy the things you need and...

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* Prices and quantities are subject to change

1 On this site, we use the terms "lease," "lease agreement," "rental-purchase agreement" and "agreement" the same. (We usually use the term "Lease.") Under your Lease, you can: (a) make 52 weekly payments or exercise an Early Purchase Option to acquire Ownership of the rented goods or (b) rent the goods for at least the initial term and then end the lease when you want by making all required payments and returning the goods. In NC, the final payment required to purchase the rented goods will be an amount greater than 10% of the Cash Price.

2 You will be given a credit for one weekly payment. This credit will be applied to the second weekly payment due, provided your first payment clears. This credit will be removed from your account if your first weekly payment fails. This credit does not apply if you choose to exercise the 90 Days Same as Cash purchase option. All other terms and conditions of your Lease remain in effect. This credit is only valid for online orders.

3 Excluding the marketplace customers that reside in Florida, Texas and North Carolina, the Cash Price is the price we charge for a cash sale of the item (or $50 more than the price the merchant you select charges). However, if you rent multiple items at the same time, we reduce the Cash Price (and increase the Cost of Rental) by $50 for the second and each subsequent item you rent. This makes it less expensive to purchase the items before the end of the term of the Lease. The Cash Price may be higher than the cash price you would pay if you were to purchase the item directly from the merchant shipping the merchandise on FlexShopper’s behalf.

4 Free delivery offer applies to scheduled delivery on select major appliances, furniture, treadmills, ellipticals, exercise cycles, home gyms and outdoor grills. Major appliances include standard size or larger refrigerators, washers & dryers, ranges & ovens, microwaves and dishwashers. Limited metro delivery areas. Additional parts, extensive labor and installation charges are extra. The transit time will vary by delivery address.

5 Good credit is not necessary but not everyone with bad credit is approved. Our goal is to help consumers with bad credit get goods they want through a Lease.

6 Find the same item on a one-year weekly lease at another lease-to-own company and we’ll match the other company’s cash price and weekly payment.

7 An initial security deposit and/or payment may be required.

8 Excluding the marketplace customers that reside in Florida, Texas and North Carolina you will own the item(s) and not have to pay any additional amount if you pay the full Cash Price (the Cash Price is the price we charge for a cash sale of the item (or $50 more than the price the merchant you select charges) plus sales taxes and may be higher than the price you would pay if you were to purchase the item(s) directly; if you rent multiple items at the same time, we reduce the Cash Price (and increase the Cost of Rental) by $50 for the second and each subsequent item you rent, which makes it less expensive to purchase the items before the end of the term of the Lease). After 90 days, you also have an Early Purchase Option that allows you to own your item(s) for less. Simply refer to the table in your Lease to look up the Early Purchase Option amount after each payment date.

This is your estimated weekly payment if you used your entire spending limit. The spending limit is the total Cash Price of the goods you can lease before tax and shipping. The actual weekly payment may vary depending on how much spending limit you use and will be in your Lease. You can make 52 weekly payments or exercise an Early Purchase Option to acquire ownership of the rented goods. In NC, the final payment required to purchase the rented goods will be an amount greater than 10% of the Cash Price.