How it Works
Tight budget holding you back on a purchase?
Denied financing because of credit issues?
Simply Lease offers a better way
with no credit needed*, no debt and no obligation.
Browse thousands of best-selling electronics, appliances, fitness equipment, furniture and so much more. Just add your item(s) to your cart, register your account and head to checkout.
Once you reach the end of checkout, complete our simple online application and get a decision instantly. You can qualify for a spending limit* up to $4,000 with no application fees ever.
Once approved, you will review and electronically sign your lease agreement. Once you’ve eSigned and the initial payment clears, you’re ready! We’ll email you pick-up or delivery instructions.
Once your order arrives, your periodic rental payments will begin. Rent as you go, own the item with your final payment or early buyout, or return and cancel your monthly agreement anytime.
Why Choose Simply Lease?
Simply Lease offers flexibility — get brand new factory sealed products and lease over time with a flexible lease-to-own plan. Whether you are wanting the latest electronics, appliances or more, our lease-to-own plan lets you get what you want today with easy payments — no credit needed* and no long-term commitment.
Is Simply Lease Right for You?
If paying upfront works for you, buying retail may be cheaper. But if you prefer a flexible payment plan with no credit needed*, Simply Lease is your perfect match. Unlike traditional financing, Simply Lease is a rental service, not a loan or credit, so there’s no debt and no interest ever! The item remains Simply Lease’s property until you choose to own it, giving you unmatched flexibility.
Shop Now, Pay Your Way
- No Credit Needed*: Approval focuses on your income and bank history, not your credit score.
- $0 Down Payment: Clear your first 2-week lease payment and your item ships.
- Flexible, No-Commitment Lease: Shop now and lease as you go! Automatically own the item after 12 months of leasing or buy out early for significant savings.
- Cancel Anytime: A lease without a long-term contract. Return the item anytime — no penalties.
Lease Options Made Easy
- Every Payment Builds Toward Ownership: All lease payments count toward the ownership price.
- 100-Day Price: Pay the designated price within 100 days to own the item outright with no additional fees. While higher than retail, this lets you spread payments over time without needing the full amount upfront.
- Early Buyout: After 100 days, get 50% off the remaining lease-to-own amount for significant savings.
Leasing vs. Credit and Our 100-Day Price
- It’s a Rental, Not Financing: Simply Lease is a rental service with an option to own, not a loan or credit. During the lease, the item remains Simply Lease’s property—you’re renting it until you either buy out early or complete the lease term. There’s no interest, no debt and no credit needed*.
- Different from Credit, Financing or Buy Now Pay Later (BNPL): Credit cards, financing plans and Buy Now Pay Later services are loans with fixed payments that often require credit checks. You own the item immediately but must repay the full amount — often with interest — creating debt. With Simply Lease, you rent as you go, can return the item anytime without penalty and ownership is entirely optional.
- 100-Day Price vs. Retail: Our 100-day price is higher than a retail store price because you have 100 days to pay it off instead of paying in full upfront. Every rental payment during that period applies toward the buyout price, so you can own the item anytime within 100 days by paying the remaining balance. If you can pay in full upfront, retail may cost less — but Simply Lease offers the flexibility many customers need.
Simply Lease is ideal for those who want affordable payments without taking on debt, no long-term commitment and the freedom to decide later — whether that means returning the item or completing your lease and owning it.
How Simply Lease Works
- Shop, Apply & Get Approved: Get an instant decision on up to $4,000.
- Review & Sign: eSign your lease agreement and choose your start date.
- Pick Up or Ship: Once your first 2-week lease payment clears, your item ships or becomes available for in-store pickup (if applicable).
- Start Your Lease: Your second payment is due two weeks after delivery. Remaining payments are automatically deducted from your bank account every two weeks.
- Manage Your Lease: Choose the option that works best for you:
- Early Buyout: Pay off early and save — the sooner, the better.
- Lease-to-Own: Lease for 12 months (make the default 26 bi-weekly lease payments for example) and you own the item.
- Return Anytime: Return your item and cancel your lease with no penalties.
Your Security, Our Priority
Simply Lease uses Secure Payment Gateways to safeguard your payment data. We never sell your information and use the highest security standards to protect your privacy. See our privacy policy.