Shop with Confidence –
Without Using Credit!*
We partner with a large variety of furniture, appliance, and other retailers so you can easily afford the brands you love.
Get what you want with flexible payments*
Instant Shopping Power
Get an instant approval decision and lease up to $4,000 in merchandise.**
Loads of Choices
Use your approval amount to lease merchandise with our partner retailers.
Won't Harm Your Credit
We don’t require you to have an established FICO score or credit history to lease with us.
Flexible Payment Options
Make low monthly payments or you can purchase early to save! The choice is yours.
Flexible terms that put you in control.
Complete the Lease
After all scheduled payments have been made as detailed in your agreement, the merchandise is yours to keep.
Early Purchase Savings
You can choose to purchase your item at any point during the lease at a discount. The sooner you do so, the more you save.
Hassle-Free Returns
If you no longer want to keep an item, you have the option to return it in good condition with no further obligation.
Get the stuff you need from stores you know.
Shop at participating retailers for furniture, electronics, appliances, mattresses, and more.
What customers are saying.
C. Williams
“[the sales team at my local AcceptanceNOW® store] were a great help to me and my family. They were very nice and helpful.”
L. Lancaster
"[The AcceptanceNOW®] program is the best. They go above and beyond for the customer and their customer service is excellent."
California residents, please click click here for information about the collection of your personal information.
Do Not Sell My Information
Limit Use of Sensitive Personal Data
Lease Purchase/Lease/Rental Purchase. Ownership is optional. You will not own the merchandise until the total amount necessary to acquire ownership is paid in full or your exercise your early purchase option.
* “Without using credit” means this is not a credit, loan, or financing transaction. It does not mean or imply no inquiry will be made of credit history or creditworthiness. We consider multiple data points in reviewing your application and regularly approve customers with less than perfect credit history. Lease agreement requires, at minimum, verification of residence, income, and personal references. “Flexible payment options” refers to monthly rental and early purchase options, including 90 day and 120 day options. 90 day and 120 day early purchase options not valid in all locations. **“Get approved to lease up to $4,000 in merchandise” refers to the maximum amount AcceptanceNOW will spend to acquire goods from a retailer to provide to you, subject to a lease purchase transaction. The AcceptanceNOW cash price may include a markup over invoice price. Acquiring ownership by leasing costs more than the retailer’s cash price. See your lease for payment amounts and rental terms.
See ANOW Store Manager for complete details.

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