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Frequently Asked Questions

What is Lease-to-Own or Lease-Purchase agreement?

Lease to own is a great way to get the item that you want without big upfront payment or long-term commitment making it easier for you to upgrade to a newer device or option to purchase and own the item of your preference. This is not a loan, credit or financing. While no credit is needed to get approved, we may obtain information from consumer reporting agencies with your lease application.
Your first payment is due upon signing the contract. We offer 90-day cash price and early purchase option discount.

Our Lease-to-Own program is not available for customers residing in WI, WY, MN, NJ and VT.

What is the process? How do I get approved?

Apply online via our website or in-store.

What are the requirements?

  • Must be 18 years and older
  • Verifiable source of income/employment
  • Must have an active and verifiable bank account
  • Credit or debit card under your name
  • Own mobile phone number.

Who owns the merchandise?

Simon owns the item you select until you complete all lease payments or exercise your early purchase option, then you will own the item.

Can I cancel my lease?

You can cancel your lease after the initial lease term. Simply return the merchandise to our store.

How is a lease different than a credit transaction, financing or a loan?

Simon lease to own program is not credit. With a credit transaction, financing or a loan, you make a purchase with borrowed money that must be repaid, often with interest. With us, we own the item then we lease it to you with the option to take ownership after making all the required payments or exercising your early purchase option.

Will a lease application impact my credit?

Applying for a lease should not impact your FICO score.

What is meant by “No Credit Needed”?

“No Credit Needed” means that you don’t necessarily need to have any credit history or a credit score to be approved for a lease. We look at many other data points to make a final decision, mainly employment. And we regularly approve customers with less than perfect credit or very little credit history.

When are my payments due?

Your initial payment is due when you sign the agreement. Then you can let us know the frequency and date that works for you.

When will I receive my order?

After you sign the agreement and make the initial payment, we start building your system and order the necessary parts if we do not have them on hand. Then we do benchmarks and stress tests to make sure the system is working properly and there is no defective parts. This normally takes between 2-3 business days.

What if something happens to my equipment?

We cover the warranty while you are under our lease agreement. Please note that the warranty does not cover damages to the computer such as liquid spills/drop.

We proudly offer our ‘LIFETIME LABOR WARRANTY’. As long as you own the system, labor, support and maintenance is free! Guaranteed!

What is your return policy?

If you are unhappy with the product (which is a rare case), you may return the item within 7 days of receipt.