Let’s face it, we all have credit troubles that can affect our abilities to get approved for simple financing or loans. Whether you are spinning wheels to keep up with your high-interest payments or trying to get out of debt, it is hard to pay for expensive necessities like a laptop computer or refrigerator.
Problems With Layaway
Over the years, people have often relied on layaway financing plans to pay for expensive merchandise. Layaway is when retailers accept weekly or monthly payments from you over a period of time so you can save up towards a specific item. Once you save up enough money through the retail layaway plan, you can bring home your product.
The problem with layaway is the amount of time it takes for you to get your merchandise. Rather than getting your desired product the same day as you order it, you have to wait several weeks or months before you get to use it. This is not helpful because it locks up a large chunk of your money for an outstanding period of time before you get to use the product you need when you’re in a bind.
If you are one of the many individuals that have a hard time saving up enough cash to buy the things you need, rent-to-own or lease financing payment plans might be a good option for you. Appliance and electronic lease financing site RTBShopper.com provides easy access to your favorite technology brands with buy now, pay later plans for people with any kind of credit.
If you’re not familiar with RTBShopper.com, it’s basically like an Aaron’s or a Rent-A-Center™ digital storefront, but for brand name electronics fulfilled by Best Buy™. In addition to their family of brands like Apple, Samsung, Microsoft and SONY; their flexible payment options give you the ability to get the things you need immediately while you pay for it over the course of time.
They have everything you need that you can find available at Best Buy and get approved for up to $5,000 in financing. RTBShopper offers same day curb-side pick up so you can get your items almost immediately. All you need to bring is your valid form of identification when you arrive at your local Best Buy.
Pros of Lease Financing
Buy Now, Pay Later – Rather than paying for the entire sales price up front, you can put down a small amount of money to buy the product now and pay for it later over time. This helps break up the sum into low, manageable payments.
Favorite Brands and Products – Search from the most innovative technology brands in the world like Apple, Samsung, LG, Microsoft, HP Computers, and more.
No Credit Check – Avoid getting your credit hit by a credit check and maintain your credit score. No matter what kind of credit you have, RTBShopper can find a financing plan that fits your lifestyle.
Low Weekly or Monthly Payments – Instead of one big payment hit, you can break things up into low payments that you can handle. You can customize it into an easy payment plan to fit your payday.
Same Day Curb-Side Pick Ups – You don’t have to wait for your order to ship, you can pick up your product the same day you place it.
No Delivery – Instead of receiving your products directly to your residence, you have to schedule your product to be delivered to a local BestBuy location in your area.
How to Qualify
If you are interested in applying for lease financing payment plans, visit RTBShopper.com to fill out their application. You must be 18 years of age or older to apply with a valid form of ID, an email address and a phone number.
In addition to the application requirements, you also need the following:
- an income history of at least 3 months
- an income of at least $1,000 per month
- a valid checking account that has been open for at least 90 days
- a valid form of payment either debit or credit card
Improve Your Credit
It’s hard to improve your credit score, especially if you have bad credit to begin with. If you get approved for lease financing plans through RTBShopper, you will have the ability to boost your credit score. When you make your payments on time, RTBShopper will report your positive behaviors to the major credit bureaus. In short, your credit score will start to climb in no time!
Final Thoughts on RTBShopper
The reality is, bad credit causes many financial headaches. You get hit with higher interest rates, tough restrictions with low credit limits and you’re often scrutinized by banks or lenders. Although the rent-to-own financing model comes with monthly payments, RTBShopper.com provides a seamless application process with fast approvals. Rent To Buy Shopper provides friendly financing options and are transparent about the fees that are included in your purchase.
RTBShopper – https://www.rtbshopper.com
How it Works – https://www.rtbshopper.com/how-it-works