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Flexible payments, easy ownership — FlexShopper makes shopping simple and affordable.
Easy Payments - No Hidden Fees
What is FlexShopper.com?
FlexShopper.com is an online lease-to-own platform that enables consumers to rent a variety of products—such as electronics, appliances, furniture, and other consumer goods—with the option to purchase them over time. The service is designed to provide flexible payment options for customers who may not want or be able to pay the full price upfront.
How does it work?
Product Selection
Customers browse the website and select items they are interested in purchasing. Choose from a wide variety of popular brand name products.
Payment Plan
Instead of paying the full price immediately, customers choose a lease plan, which involves making weekly or monthly payments.
Lease Agreement
The customer agrees to the lease terms, which specify the duration, total cost, and payment schedule.
Ownership Options
After making a series of payments (which can vary depending on the plan), customers typically have the option to buy the item outright, sometimes by paying a final purchase option fee.
Early Purchase
Customers may often choose to buy the item earlier by paying off the remaining balance. Check with your plan to see if this can help save you some cash.
Key Features
Flexible Payments
Users can enjoy to choose between weekly or monthly payment options.
No Credit Check
FlexShopper often does not require a credit check, making it accessible for people with poor or limited credit.
Wide Range of Products
Shop for electronics (smartphones, tablets, gaming consoles), appliances, furniture, and more.
Ownership Path & Fast Approval
The ability to eventually own the product after completing payments. The process is made to be quick and simple, often with instant approval decisions.
Who is this for?
People who want to buy big-ticket items without a large upfront payment.
People with limited or poor credit who may not qualify for traditional financing.
Those who prefer flexible, manageable payments over lump-sum purchases.
FREQUENT CRITICISIMS & CONSIDERATIONS
We have answers for your questions.
What's the catch?
The total cost paid over time can be significantly higher than the retail price because of interest and fees. This is because the plan typically includes other service fees. In order to understand these fees, be sure to carefully read the total cost before entering into a lease agreement to ensure it aligns with your budget.
What do beginners need to know?
Ownership typically transfers once all payments are made, but the exact timing and conditions can vary. Some plans may require you to pay a final buyout amount, while others automatically transfer ownership after a set number of payments. Be sure to review the lease agreement carefully to understand when you gain full ownership of the item and if there are any additional fees involved in transferring ownership or early payoff options.
How can I tell if I need this?
It’s important to understand the specific terms regarding when ownership transfers and any fees involved. The lease-to-own model means you make regular payments over a set period, with the option to own the product at the end of the term. However, some users find that this process ends up being more expensive than traditional financing or outright purchase.
What can I do about late fees?
Like many lease or financing programs, FlexShopper enforces late fees if payments are missed or delayed. These fees can add up quickly and increase the overall cost of the lease. We suggest you stay on top of your payment schedule and understand the specific late fee policies outlined in your lease agreement to avoid unexpected charges.
Bottom Line
FlexShopper.com provides an accessible way for consumers to acquire expensive items with flexible payments, especially for those who cannot or prefer not to pay the full amount upfront or do not have strong credit. However, we call users to carefully review the terms, total costs, and lease conditions before committing in order to protect the value that may not be beneficial.
Check below for online sources from previous Flexshopper.com users.
Reviews from TrustPilot
Reviews from SiteJabber
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