7 (Retailers) Rent to own electronics no credit check no down payment

If you hold a bad credit that prevents you from purchasing necessary electronics, then you may ask for retailers who are best for rent to own electronics no credit check no down payment. People with a lousy credit score may find it difficult to afford expensive electronics which are needed for the betterment of everyday life.

Nothing to be concerned about as there are several retailers or providers which offer rent to own no credit check electronics financing. These providers come with flexible payment options with comprehensive terms which are suitable for individuals with even the lowest credit scores. These retailers or providers furnish a unique installment system that allows purchasing hefty electronics as well.

The fact is, these providers adjoins customized monthly installments, which makes it easy for users to pay the full price gradually and help make their dream true.

The majority of these providers rent electronics online no credit check, so you can get your desired item from the comfort of your home. Below we will mention providers to lease electronics no credit check, and no down payments.

Let’s start with a glimpse of the recommended ones and the list of the best retailers for rent to own electronics no credit check no down payment!

At A Glance Top 10 (Retailers) Rent To Own Electronics No Credit Check No Down Payment

1. FlexShopper
2. Kmart
3. Best Buy
4. Electro Finance
5. BestWay RTO
6. RTB Shopper
7. Rent Delite

Recommended 2 Best (Retailers) Rent To Own Electronics No Credit Check No Down Payment

ProvidersKey Takeaways
FlexShopperLease or rent from 1 million brand new products with maximum 52 weeks long installments, 90-day early buyout option, and a up to 2500 dollars spending limit
KmartOffers leasing programs with monthly, weekly, and bi-weekly(5 to 60 months terms)30, 60 & 90-day early buyout options for as low as just 21 dollars per week

Top 10 (Retailers) Rent To Own Electronics No Credit Check No Down Payment

We have included several providers that offer comprehensive leasing programs to buy electronics with no checks and down payments. We have added providers or shops with vast physical and online platforms, premium store cards, rewards, and other related factors in the listing.

A few of these are some of the best and major online shopping platforms globally. You can now proceed to finance electronics no credit check, and you also don’t have to worry about the upfront fees or down payments. So, without further delay, let’s jump into the actual discussion of these top providers for rent to own electronics bad credit!

1. FlexShopper

Rent to own electronics no credit check no down payment - FlexShopper

FlexShopper is a departmental and accessories store that offers leasing electronics and other goods for people who can’t afford them for bad credit.

They are among the most trustworthy online and in-store goods sellers that offer programs to shop electronics with no credit checks and down payments online. Most users love FlexShopper for their free product delivery.


  • Upon approval, they offer up to 2500 dollars spending limit for any product purchases.
  • Offers a large selection of products from FlexShopper, Amazon, Best Buy, and other brand stores
  • Get their award-winning customer support which is available 24/7. Just message, or contact a representative on live chat!
  • Provides product rent to own options at up to 52 weeks long installments
  • They offer transparent leasing with no extra or hidden fees.
  • FlexShopper comes with the FlexAdvantage service that ensures the protection of your ordered products.

FlexShopper has more than 100000 brand new products to choose from, or you can select your favorite ones from stores with FlexWallet. They also provide quality fresher items as well as refurbished goods.

They will ship items to nearby stores from where you can easily pick it up. With FlexShopper, you get a spending limit of up to $2,500, which you can utilize for a single or multiple purchase items.

For applying, you need to enter the FlexShopper Home Page or any specific products page you prefer. Here you can find the option “Apply & Shop Now,” press that floating link.

They will redirect you to the application page. Enter your email address and press ‘Continue’ to proceed. With FlexShopper, you can lease as many products as you want at affordable prices and convenient installment agreements.

If you miss any payments date or lease payments, you may need to pay the late fees. FlexShopper also charges Dishonored check fees if a lease payment is returned unpaid.

They offer Early Purchase Options, which allow you to purchase early after 90 days. You can also get an involuntary unemployment payment waiver with FlexAdvantage service.

2. Kmart


Kmart is one of the leading leasing platforms, which comes with a comprehensive online platform and multiple physical locations across the country.

With their rent to own or leasing service, you can take your electronics home on the same day of purchase, and you can pay the rest of the price with flexible terms and easy installments. Apply today and join with more than 1 million pleased users.

KMart rent to own electronics program doesn’t require any credit checks, so you can step forward with bad credits as well. With their leasing service, you can lease electronics like washers for as low as just 21 dollars per week. Their leasing terms come with at least 5 months installment and a maximum you can lease products for 48 to 60 months.


  • Provides leasing with a wide selection of products from leading brands like LG, Samsung, Craftsman, Kenmore, etc
  • Get rent to own products without any application fees and no references required.
  • Includes flexible monthly, weekly, and bi-weekly payments from 5 to 60 months
  • You can buy your leased items as soon as 30, 60, or 90 days from the beginning of the lease, which is far more convenient than monthly terms.
  • They include new products at competitive prices with delivery, installment, and protection agreements.

Before applying, you need to comprehend that you have to complete at least five months. After that, you can go for the continuation of the lease term based on the price of the purchased product.

You can also buy it out after that minimum lease term ends, which is available in each state except New Jersey, Vermont, Wisconsin, and West Virginia.

3. Best Buy

Rent to own electronics no credit check no down payment - Best Buy

Best Buy is a well-known and prominent American multinational consumer electronics retailer which is headquartered in Richfield, Minnesota.

It was founded in late 1996, and now they are one of the leading online and offline shopping platforms in the US, which you can use to rent to own electronics within the affordability of your pocket.


  • You can apply for the lease to own program even if you don’t have credit since they require no credit checks.
  • Approval is based on many factors, including employment and banking history, and they obtain information from credit reporting agencies.
  • Comes with flexible payment options- 12-month standard agreement, 90-day purchase option, and Early buyout options.
  • The lowest recurring payment option for acquiring ownership by leasing costs more than the cash price.
  • Early Buyout programs and the 90-day purchase options offer the potential for a significant discount on the remaining lease amount.

Their online and offline stores accept payments from Personal checking accounts, best buy cards, other credit & debit cards, and cash.

If you get eligible for Best Buy leasing or rent to own program, you can easily take leased items with flexible monthly installments for electronics lease. The application of the Best Buy Progressive Leasing program doesn’t require any credit checks.

Best Buy comes with a wide selection of products to choose from in categories like Home, Kitchen, Electronics, Fashion, Fitness, and many more. Their rent to own program is not available in Minnesota, New Jersey, Vermont, Wisconsin, Wyoming, or Puerto Rico.

The application process takes just a few minutes and can be completed online or in a participating store. You will receive an instant decision upon completing the application. You will need your routing number and account info for an active checking account.

4. Electro Finance

Electro Finance

Are you looking for a provider to rent to own electronics no credit check no down payments? If so, then you can check out the no credit check leasing programs from Electro Finance.

They offer all sorts of electronics accessories from laptops, smartphones, headphones, vacuum cleaners, cameras, watches, televisions, tablets, games, and home theaters.

Do you have bad credit, and you can’t proceed forward because of that? You don’t have to worry about your credits with Electro Finance leasing programs.

The lease to own programs from Electro Finance include easy monthly & weekly installment and payment options. With lease to own financing, take home what you need now and pay over time from Electro Finance.


  • They offer Includes easy application system without the need for any credit checks
  • You can apply without any restrictions and same day pick up is available on most items
  • Offers free delivery on each category across the country except for Minnesota, Wisconsin, Wyoming, and New Jersey
  • After applying, you can get an instant decision for making any purchases, and it is available to all credit types
  • They include new products at competitive prices with delivery, installment, and protection agreements

Everyday essentials can quickly add up; that’s they provide multiple payment options available for everyday necessities like ovens, washers & dryers, refrigerators, microwaves, and more.

If you order these items using their service, you’ll be able to pick your items up at your local stores and pay convenient payments through financing options that work with your paydays.

5. BestWay RTO

Rent to own electronics no credit check no down payment - BestWay RTO

The Bestway Rent To Own industry helps users own new or previously owned name brand products by making weekly, bi-weekly, semi-monthly, or monthly payments over a specific timeframe determined by their local store.

They carry the top name brand electronics products, such as Ashley, Sony, Whirlpool, Dell, and more, for offering rent to own programs!


  • Requires no credit checks, and all the users are pre-approved; all they need is some basic information.
  • No Long Term Obligation & Lifetime Reinstatement, and you can return products any time you wish
  • Provides Same day delivery, including setup for all orders placed by 5 pm
  • Comes with flexible payment options- choose between weekly, bi-weekly, semi-monthly, or monthly payment terms to fit your budget
  • Always provides better pricing with low, competitive rates than other leading providers.

With their online payments, you can now rent great products within the comfort of your home. To apply without hassles, you should visit their authentic online store site and find out their application form.

Fill up this and submit it with all of the required documents. They provide a wide section of furniture, appliances, electronics, computers, and other accessories.

6. RTB Shopper

Rtb Shopper rent to own electronics no credit check no down payment

Buy Now Pay Later Electronics renting programs from RTB Shopper is a great option for users who are struggling to purchase expensive items because of the upfront fees and their bad credit history.

Once you get approved for their leasing service, you can get a spending limit of up to 5000 dollars instantly. You may be able to get your products with same-day delivery!

After approval, choose the finance xbox one no credit check payment plan that feels comfortable for you, pay a one-time 50 dollars admin fee, and you are ready to proceed further.

The rent to own programs includes no down payment; otherwise, your products will either be shipped free of charge, or you can pick up your merchandise from a local Best Buy that has your items in stock or Amazon.


  • You can choose your payment plan to meet your needs from Predictable and affordable monthly, semi-monthly, or weekly payments.
  • Includes Instant Approvals, and you may get approved even if you have bad or no credit.
  • No credit is required to qualify, your credit score doesn’t matter, and your personal information is safe and secure.
  • They offer a stress-free way to get the latest equipment, and you can choose from free delivery or pickup in-store
  • Adds a wide range of quality electronics from the best brands- new smart TV, home theater, sound systems, a laptop, cameras, or video game consoles

RTB Shopper is the leader for rent to own electronics, furniture, appliances, and much more! You need to be at least 18 years old to apply for their renting or leasing programs.

Besides, you also need to take a valid government-issued ID such as a driver’s license, passport, or state ID, a valid social security number or ITIN, a valid bank account, or credit or debit card, and other necessary documents.

7. Rent Delite

Rent to own electronics no credit check no down payment - Rent Delite

Rent Delite comes with comprehensive leasing product categories- tablets, TVs, Computers, Phones, audio, Video Games, Appliances, furniture, and fashion items!

Rent the goods you deserve from more than 50,000 branded products & flexible rental options. Get the latest products for low periodic payments with an option to buy anytime with Rent Delite.

Rent Delite has predominantly new merchandise of the state of the art products from known name brand companies like Apple, Samsung, LG, Haier, Beats, Sony, Toshiba, LG, JVC, GE, Whirlpool, Acer, Microsoft, HP, Lenovo, Sharp, Asus, Dell, HTC, Nintendo, Electrolux, Panasonic for rent, lease or buying. They offer Simplified Contracts with No Long term Obligations for greater convenience.


  • It comes with No Long term contracts, and you can lease products for up to 12 months to enjoy the lifestyle you deserve without getting locked down.
  • They accept any credits, so you can step forwards if you have no credit, good credit, or bad credit, whatever
  • Always offers brand new products and delivered to doorstep so no more visits to those ignoring storefronts.
  • Pay only after you receive the product, and affordable installments will replace the large one-time payments.
  • Purchase from more than 50 thousand products, and you can get 2500 dollars spending limit after instant approval.

For applying, first of all, you need to choose a product and click on the “apply” button. Includes flexible payment agreements, and you can return or upgrade your product at any time.

Moreover, RentDelite comes with a unique offering for existing customers for various partners where many of them may be pre-approved and would not be required to go through the detailed Application process.

FAQ About Rent To Own Electronics No Credit Check No Down Payment

Are there interest charges For renting to own purchases?

Not all providers come with interest charges for renting to own purchases. There is no interest and no long-term commitment, so you have nothing to lose.

How long does the rent to own agreement last?

Some products like Rent Delite include contracts that are for a 12 month term. Providers like KMart, FlexShopper, Best Buy may come with leasing programs lasting from 5 to 60 months.

How will I know when my application is approved?

After you submit your application online, your results will be available within a minute or so. Once you’re approved, providers will ask you to provide your billing and shipping information. Then, you complete your order. In these cases, providers are unable to approve your application.

Is it allowed to pay the product price earlier with early buyout options?

Your early payoff amount is based on the state you live in and how much you have already paid towards your rental agreement. Customer service agents from the providers will be able to calculate the exact payment amount after contacting.

What are the typical documents one needs to get started with renting services?

You need to be at least 18 years old to apply for renting programs. Besides, you need to take a valid government issued ID, passport, or state ID, a valid social security number or ITIN, a valid bank account, credit or debit, etc.

Final Verdict

Getting approved for a rent to own electronics no credit check no down payment providers can be done smoothly without any hassles if you have the required set of documents. With these, you don’t need to have a great credit score to rent your required goods and home decorating items.

We have discussed the best providers to rent electronics with flexible terms and easy installments. However, before choosing one retailer, you need to consider the terms, services, product categories, contracts, credit approvals, and other relevant factors to avoid disappointment afterward.