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Electro Finance Makes Lease to Own Easy with our Affordable Payment Plans. Get a Brand New Cell Phone Now and Pay it Off Later! No Credit Needed. 

Credit may not be required, but credit information and consumer reports may be reviewed.

  • Bad Credit or No Credit Ok!
  • Our Service is Available Nationwide!
  • Same Day Pick Up Available on Most Items on our Site!
  • 5 Star Rated Service! 
EASY AS ONE, TWO, THREE

Credit may not be required, but credit information and consumer reports may be reviewed.

1. APPLY

WHAT YOU'LL NEED TO APPLY

  • You must be 18 years or older
  • Valid SSN or ITIN.
  • Routing and account numbers for active checking account
  • Credit or Debit card.

2. SHOP

Once approved, you can go shopping. We set up payments that can match your paydays. Most items can be picked up Nationwide! 

3. CHECKOUT & DONE! 

Start your lease and take home what you need today for an initial payment of $49 or less. You'll need help from a store associate to checkout so once approved please check your email inbox to complete your Checkout. 

Payments are for 12 Months with an early buy out option of 53%.

90 Day Payment Option is to pay off Invoice amount stated on the Lease Agreement within 90 Days. 

Exact payments will be displayed on the lease agreement once approved for a dollar amount sufficient for the product requested, weekly/bi-weekly/semi-monthly/monthly payments on our website are estimated payments; exact payment amounts will be displayed on the lease agreement and may vary with prices displayed on our website!  

The Requirements are Simple:

The basic requirements are:

  • You must be 18 years or older
  • Valid SSN or ITIN.
  • Routing and account numbers for active checking account
  • Credit or Debit card.

     

     

    Service described is a rental – or lease purchase program provided by Prog Leasing, LLC or its affiliates. The initial payment is [$49.99]. All remaining lease payments will be determined by the cash price of the leased item and the frequency of payments. You will not own the leased merchandise or acquire ownership rights unless you make 12 months of payments or exercise an early purchase option. Not all applicants are approved. See lease for details.

    *Subject to product availability and inventory. Most appliances will need to be delivered. Delivery on all products at no additional cost to the customer. The advertised transaction is a lease-purchase agreement (or in specified states, a lease agreement with an option to purchase; a consumer rental-purchase agreement; a rent-to-own agreement; a lease-purchase agreement; a consumer-lease agreement) Not available in WI, MN, VT, NJ. Merchant participating locations only. You will not own the merchandise until the total amount necessary to acquire ownership is paid in full or you exercise your Early Buyout purchase option. Ownership is optional. Some restrictions apply, please call a Customer Service Representative for complete details.