No Problem Financing Available

About Smart Sales and Lease

Less than perfect credit, no credit, or poor credit? No problem, we specialize in less than perfect credit solutions and we work to get you approved. We offer 90 days same as cash and a 12 month lease/purchase contract. We work with retail furniture stores who offer great prices with a wide selection of high quality, new furniture. Our goal is to get you the financing you need to take advantage of the best value in furniture.

The application process is fast and simple. You can apply at the store or online at smartsalesandlease.com.

 

Frequently Asked Questions:

Q: What is the interest for this program?

A: This program has no interest because it is a lease-purchase contract. If you pay your balance off within 90 days, all you pay is the invoice price and a fee of $39. If you take more than the first 90 days to pay off the purchase, then you will pay 1.5 times the invoice total over 11 payments. (Example: on a $1,000 invoice, you will pay 20% down and 11 monthly payments of $118; a total of $1498.)

 

Q: How much is my payment?

A: If you choose the 12 month lease/purchase your payment will be 20% down and approximately 12% of the cash price for 11 months.

 

Q: Where do I mail my payment? Can I pay online or by phone?

A: Monthly payments will be debited out of your checking account by ACH every month. Call Smart Sales and Lease to process an additional payment by telephone at 1-877-700-3040.