FlexShopper lease-to-own program | December 2018 review | finder.com
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Shop and lease-to-own the products you want with FlexShopper | December 2018 review

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Break down the purchase price of electronics, furniture, appliances and more with affordable payments.

Similar to your local rent-a-center, FlexShopper is an online service that allows you to lease a range of items that tend to be on the pricier side — like TVs, computers, refrigerators, mattresses, lawn mowers and more. With FlexShopper, you can own them later without having to pay for them up front all at once.

Even if FlexShopper doesn’t offer the item you’re looking for, its personal shoppers can help you find it — and potentially offer a great rent-to-own deal.

December 2018 FlexShopper offers & promo codes

FlexShopper FlexShopper

Bad credit? No problem.

Shop your favorite products with low weekly payments.

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Popular FlexShopper coupon codes

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30 Mar 2018 Bad credit? No problem. ********
How do I use my FlexShopper promo code?

What can I buy at FlexShopper?

  • Electronics. Find your favorite brands and systems from Apple, Android, Microsoft, HP, Xbox, Playstation and more.
  • Furniture. From sofas to patio sets to infant gear, you’re sure to find what you need.
  • Appliances. Browse hundreds of washers, dryers, refrigerators, air-conditioning units and vacuums.
  • Health, fitness and sports equipment. Get the home gym equipment you’ve always dreamed of.
  • Home and garden. Snag a new lawn mower, grill or home security system.
  • Wheels and tires. Need new tires? Take a look at the selection of name brands.

Shipping, payment and returns

Shipping and delivery

FlexShopper offers free delivery on large-ticket items that include major appliances, furniture, treadmills and home gyms, and you may pay more for extensive labor or installation. Shipping speeds vary by your location and the contents of your order.


FlexShopper defaults to weekly payments due every Friday. But you can switch to biweekly or monthly payments by providing a debit or credit card and a pay stub showing that you receive biweekly or monthly paychecks. Simply call FlexShopper at 855-353-9289 with your debit or credit card handy and email your pay stub to billing@flexshopper.com.


During your initial one-year lease period, you’re not able to return any of your items. However, once you’ve made all of your payments, effectively ending your lease, you will have the option to return your items if they are in good condition.

Pros and cons


  • Buy now, pay later. If you don’t have the funds to buy the items you want, you can pay over the course of a year to eventually own them.
  • Bad credit isn’t an issue. Although not everyone is automatically approved, FlexShopper works to help out even those with poor credit.
  • Flexible repayments. Choose to pay for your items weekly, twice a month or monthly.


  • More expensive in the long run. Because you’re making smaller payments for your items over time, you will pay more than an outright purchase. It’s how FlexShopper makes its money — by providing an affordable alternative when you don’t have immediate cash.

What sets FlexShopper apart?

As the largest online rent-to-own company out there, FlexShopper gives consumers the unique opportunity to affordably lease or purchase items that might otherwise be too expensive to buy. Unlike others in the rent-a-center realm, FlexShopper is highly trusted online, with many users offering word of mouth to their friends.

Bottom line

If you’re in the market for a new appliance, computer, TV, lounge chair or other high-cost item but can’t buy it outright, FlexShopper is definitely worth a browse.

Common questions about FlexShopper

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20 Responses

  1. Default Gravatar
    LilzizDecember 1, 2018

    How long doesn’t take for your items to be shipped?

    • finder Customer Care
      nikkiangcoDecember 4, 2018Staff

      Hi Lilziz,

      Thanks for getting in touch! Shipping speeds vary by your location and the contents of your order. Hope this clarifies!


  2. Default Gravatar
    MkDecember 1, 2018

    I open an account with them but I don’t know why they didn’t give me any spending limit, they said my spending limit is 0.00

    • finder Customer Care
      nikkiangcoDecember 4, 2018Staff

      Hi MK,

      Thanks for getting in touch! FlexShopper offers spending limits up to $2,500, although the amount you’re offered will depend on your credit history.I suggest getting in touch with them to confirm on your credit limit. Hope this helps!


  3. Default Gravatar
    MaryJuly 23, 2018

    Open account

    • finder Customer Care
      nikkiangcoJuly 24, 2018Staff

      Hi Mary!

      Thanks for leaving a question on our page.

      To apply/open an account with Flexshopper, simply create an online account with FlexShopper and get approved for instant spending up to $2,500. Minimum application requirements are that you earn at least $1,000 per month and have had a bank account for at least 90 days.

      Hope this helps!


  4. Default Gravatar
    ChrisMay 29, 2018

    Will tracking be emailed to me with every item purchased?

    • Default Gravatar
      joelmarceloMay 30, 2018

      Hi Chris,

      Thanks for leaving a question on finder.

      Everytime you lease from Flexshopper, you will be sent an order confirmation followed by the tracking number. You can also track your order via their website.


  5. Default Gravatar
    JoanieFebruary 24, 2018

    I get Social Security. Can I still apply?

    • finder Customer Care
      RenchMarch 13, 2018Staff

      Hi Joanie,

      Thanks for your inquiry.

      The minimum application requirements for FlexShopper are that you should earn at least $1,000 per month and have had a bank account for at least 90 days.

      You may contact FlexShopper directly or visit their official site to further inquire about their requirements and if they consider Social Security.

      Best regards,

  6. Default Gravatar
    Fatskillzz1109January 24, 2018

    When is your first payment? Also, do you pay upfront or no?

    • finder Customer Care
      MayMarch 5, 2018Staff

      Hi Fatskillzz1109,

      Thanks for your inquiry.

      With Flexshopper, there is no upfront deposit, however, the first payment is due after the first Friday that you receive the item.

      Also, Flexshopper is an online service allowing you to lease a range of items. Since this being a lease transaction, a rental purchase agreement is prepared allowing you to make 52 weekly payments or opt to do an early purchase option.

      Some other information about payments are also answered by Flexshopper’s FAQ section (link emailed to you). You can also call them direct through their billing team on the phone number I sent to your email.

      Hope this helps.


  7. Default Gravatar
    ChaliseDecember 10, 2017

    I would like to know if I can apply for and open an account using my routing and account information for my Visa brand card which my check is deposited on rather than a checking account.

    • finder Customer Care
      JoanneDecember 13, 2017Staff

      Hi Chalise,

      Thanks for reaching out.

      Upon checking, the information that flexshopper needs for billing is your account number and routing number. Aside from, other details required by them is that they will need you to confirm if your account type is checking or savings.


  8. Default Gravatar
    RobertOctober 28, 2017

    Right now I am with why not lease it I am trying to lease a Playstation 4 how do I apply for flexshopper

    • finder Customer Care
      AshOctober 29, 2017Staff

      Hello Robert,

      Thank you for reaching out to us.

      To apply for FlexShopper, you must first create an account by filling in their online application form then get approval for a spending limit of at least $1.000/ month.

      Here are the general requirements that you would need:

      *Be at least 18 years old
      *Have a current source of income in which you earn at $1,000/month
      *Reside in the U.S. (but not in New Jersey, Minnesota, Wisconsin or Wyoming)
      *Have had an active bank account for at least 90 days

      I hope this helps.

      Please do not hesitate to contact us again if you have any additional questions.


  9. Default Gravatar
    JashaunOctober 17, 2017

    Does flex shopper report to the 3 credit bureas? Meaning will it help my Credit score?

    • Default Gravatar
      GruOctober 18, 2017

      Hello Jashaun,

      Thank you for reaching out to us with your question.

      Please know that as per FlexShopper’s FAQs page:
      * “We obtain a credit report from FactorTrust, Inc. and/or Clarity Services, Inc. but not from any of the major nationwide credit reporting agencies”.

      * “If you do not pay your lease payment(s) and do not return your leased item(s), this can negatively affect your FICO score.”

      Hope this helped.


  10. Default Gravatar
    Bekahboo1731October 16, 2017

    Do you have to qualify for the spending limit to be able to rent from them

    • finder Customer Care
      AnndyOctober 17, 2017Staff

      Hi Bekahboo1731,

      Thanks for your question.
      With FlexShopper there is no required spending limit to lease from them. You just have to meet their eligibility criteria which include:
      -You must be at least 18 years old
      -You must have a current source of income
      -You must reside in the U.S. (but not in New Jersey, Minnesota, Wisconsin or Wyoming)
      -You must have had an active bank account for at least 90 days.

      Once approved, they will offer you a spending limit ( the amount will depend on your credit history). The spending limit is the total price of the products you can lease.

      I hope this helps.


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