No Gimmicks, Just Gains: How FlexShopper
Provides a Valuable Financial Service

Young white couple sitting at table, high-fiving
Written by Flexshopper

Hey there, savvy shoppers and penny pinchers! Are you always on the lookout for the best deals with the most flexible payment options? Well, have I got news for you! It’s time to flex those shopping muscles with Flexshopper, the company that’s revolutionizing the way we think about leasing to own.

When people hear the phrase “lease-to-own”, they can’t help but wonder “Is FlexShopper a legit company?” and “Is Lease-to-Own a real thing?” We know you’re asking. So, we’re here to tell you. Yes. It’s all real.

We know that the FlexShopper business model sounds too good to be true. Can you really pay $15 a week to buy a 50″ smart TV? Is an elegant espresso dining table-set really only $12 a week for 52 weeks? Believe it or not, these things are entirely possible through a simple lease-to-own financing structure.

closeup of man's hands with calculator and tablet, budgeting

The Flexshopper Advantage:
Flexibility in Your Pocket

Let’s face it: the world of lease-to-own can seem a little, shall we say… murky? But Flexshopper clears the water with transparent, easy-to-understand terms. You’re not just leasing to own; you’re taking control of your budget and making smart choices that fit your lifestyle.

FlexShopper is an online marketplace with a special financing deal. We partner with retailers to make it possible for our customers to buy products immediately and complete payment over time. Most FlexShopper purchases are paid over 52 weeks of small, manageable payments. Customers can buy one large item or a basket of smaller items, and we will wrap it all up in a single lease. We are able to finance up to $2,500 per customer, per lease.

Customers can pay the full amount over 52 weeks, but they are also able to complete payments and enjoy full ownership earlier. FlexShopper ensures that items are delivered to customers immediately after the lease is signed, or customers can pick up their orders from select local retailers if they are in a hurry.

Pick It Up, Pay It Off, It’s That Simple

For all you late shoppers (no judgment here!), Flexshopper shines with its in-store pickup option. Forgot a birthday gift? Need a new laptop for that job starting Monday? Flexshopper to the rescue! Just select your item, choose in-store pickup, and you can be in and out faster than you can say “retail therapy.”

And the best part? You’re not sacrificing your financial future for the sake of convenience. We understand that everyone’s credit journey is unique. We don’t just see a credit score; we see a person trying to make the best decisions for their life and their budget.

Just How Does Lease-to-Own Work?

Lease-to-own works like any other financing deal. People often buy houses and cars using lease-to-own-style financing in which the purchase belongs to the buyer as soon as the deal is complete, but they complete payments over time. This allows people to afford purchases far more valuable than it is typically possible to accumulate in savings on a normal salary.

Just like buying a car, FlexShopper offers lease-to-own financing on things like computers, furniture, household appliances, camping supplies, instruments, and other essentials that make a house into a home. Lease-to-own makes it possible for our customers to afford big purchases, like a good TV or a dining table set, without having a deep savings account or a credit card with a high limit.

Just how does it work? The process of least-to-own is quite simple.

  1. Apply for financing. Usually, we are able to approve.
  2. Shop and choose items you’d like to own now and pay for over time.
  3. Sign your lease and complete the financing deal.
  4. Items are shipped direct to your door (or opt for store pickup on select items)
  5. Make 52 weeks of payments to cover their purchase.

It’s just that easy. Lease-to-own is not a scam, it’s just like any other type of financing. The only difference is that our products focus on household and personal items instead of property or vehicles.

Product Knowledge at Your Fingertips

Have you ever felt lost in the jargon of leases and financing? Flexshopper gets it: we’re here to guide you through the wilderness with a compass of product knowledge and an easy-to-understand map of the lease-to-own industry. We’re not just here to help you buy stuff; we’re here to educate and empower.

Hey, But What’s the Catch?

You may be wondering where the catch is in our business model. “No company is perfect, ” you may be thinking. “Surely they’ve got a scheme to make money in all this.”

You’re right. FlexShopper has a business model and our aim, of course, is to make a profit. You will find “the catch” in the rental price, which is also the mark-up for our marketplace. When 52 weekly payments are complete, the total price will equal somewhat more than the typical retail price for each item. This is the rental price, which covers the cost of financing and the convenience of owning an item before fully owning it. However, there are no hidden fees or surprise costs.

But none of this is a secret. We print the rental price next to the weekly payment price on every product page. In fact, we are more transparent than mortgage lenders when buyers try to determine the ratio of equity to interest on their mortgage payments.

Why We Do What We Do

Why does FlexShopper finance lease-to-own purchases instead of just selling stuff like a normal marketplace? Good question.

At FlexShopper, we realized that there is a very important gap in the marketplace: People who need to make big purchases, but don’t have savings or credit. We love helping people out in that arena.

Young couple getting new furniture, moving chair

Essentials When They Are Needed

Many of our customers have just moved into their first house or apartment and need furniture. Others have just experienced a catastrophic appliance failure and don’t have on-hand cash to buy a new furnace/washer/stove/refrigerator on-hand.

With lease-to-own financing, customers who have just moved don’t have to eat off cardboard boxes. Customers who need a new appliance don’t have to shiver or live on fast food until they can save up for a big appliance. They can make that essential purchase immediately and pay it off at a rate that is manageable on a modest income.

Life’s Curveballs Don’t Come with a Warning:
Take the Path of Financial Flexibility

What sets Flexshopper apart is its commitment to the customer. We’re not about just getting you “through the door” with attractive payment plans. Wey’re about walking you through a path of financial flexibility where you emerge more informed and empowered. By offering a variety of products, from electronics to furniture, with lease terms that are as clear as daylight, we make sure you understand every step of the process.

You know those moments when you’re eyeing that sleek fridge with the latest features, but your budget screams ‘no’? With Flexshopper, that fridge is no longer a far-fetched dream. You can lease it and pay as you go, and before you know it, it’s all yours. It’s like layaway, but you get to take your goodies home immediately.

An Array of Options Just for You

And let’s talk about selection, shall we? Flexshopper boasts an impressive array of products. Whether you’re decking out your dorm room, upgrading your home office, or giving your living room a facelift, there’s something for everyone. The beauty lies in the power of choice, coupled with the flexibility of payments that align with your financial flow.

Breaking Barriers, One Lease at a Time

Flexshopper breaks down barriers between consumers and the products they need or desire. Bad credit? No credit? No problem. Flexshopper looks beyond the numbers to offer lease-to-own options that cater to a broad spectrum of financial situations.

Real People, Real Stories

The heartbeat of Flexshopper is the stories of real people who’ve experienced the magic, like the young entrepreneur who leased her first professional camera to kickstart her business or the dad who brought home a gaming console for his kids’ birthdays without breaking the bank. It’s about real-life victories, small and large.

Hispanic young father and son sitting on sofa looking at laptop together

Bottom Line: A Company You Can Count On

But Flexshopper isn’t just a company — it’s a game-changer. It’s for the go-getters, the midnight oil burners, the last-minute shoppers, and the budget-conscious investors. It’s for the 20-somethings starting out, the 40-somethings starting over, and everyone in between. With Flexshopper, you’re not just making a purchase; you’re making a statement that says, “I shop on my terms.”

If you came here wanting to learn whether FlexShopper is a legitimate company or if there is a catch, we hope you now understand both the purpose and the function of our business model. We make it possible to buy household items when they are needed and complete payments over time. Just like buying a house or a car, but for smaller big-ticket products.

So, what are you waiting for? It’s time to join the Flexshopper family and enjoy renewed shopping freedom. Get started today!

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* Prices and quantities are subject to change

1 If you are approved for a lease this is your estimated weekly lease payment. 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) weekly, biweekly, or monthly payments or exercise an Early Purchase Option pursuant to your payment offer (not applicable in FL, NC and TX) and some restrictions may apply in CA 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. If you are approved for a loan the weekly payment is only an estimate. Please review the actual terms in your loan agreement if you are approved. Your rates, terms and payment schedule are subject to approval pursuant to underwriting criteria and may vary by state. FlexShopper provides offers for Lease to Own Options, however, we do not make any loan or credit decisions and are not representative, brokers or agents for any Lenders.

3 If approved by FlexShopper customers that reside in Florida, Texas and North Carolina, the Cash Price is the price we charge for a cash sale of the item. 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 and/or affiliates behalf. If approved by another payment option provider the cash price is the invoice amount of the item excluding taxes, shipping and other fees.

5 Good credit is not necessary but not everyone with bad credit is approved. Our goal is to help consumers with not so perfect credit get goods they want through a payment offer that works for you.

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

8 If approved by FlexShopper 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. If approved by another payment option provider please refer to the terms and conditions of your agreement.

9 All lease/loan decisions and rates and terms are subject to approval pursuant to underwriting criteria related to the applicant’s credit quality. Rates and terms may also vary depending upon the state where you reside.