Complete Provider Guide
Online Rent-to-Own Companies
Every virtual lease-to-own provider in one place. Compare credit requirements, lease terms, early buyout options, and product categories — so you can choose the right fit before you apply.
What Is Online Rent-to-Own?
Online rent-to-own — also called virtual lease-to-own — lets you acquire furniture, electronics, appliances, and other products through a digital application and payment plan, without visiting a physical store. You make regular payments and own the item at the end of the lease, or return it at any time with no further obligation.
Unlike traditional rent-to-own stores that lease from their own inventory, online providers either partner with retailers at checkout or operate their own digital marketplaces. Most use alternative credit data instead of FICO scores, making approval accessible to consumers with limited or poor credit history.
Retailer-Partner Model
The provider integrates into a store's checkout. You apply while shopping at a partner retailer (online or in-store). The provider buys the item and leases it to you.
Examples: Progressive Leasing, Acima, Snap Finance, Katapult
Direct-to-Consumer Model
The provider runs its own online store. You browse their marketplace, select products, and lease directly from them. No third-party retailer involved.
Examples: FlexShopper, RTBShopper, LeaseVille, RentDelite
Quick Comparison
Side-by-side look at every online rent-to-own provider. Scroll right to see all columns.
| Provider | Model | Credit Check | Lease Term | Early Buyout | Max Approval | Availability |
|---|---|---|---|---|---|---|
| Progressive Leasing | Retailer partner | Soft pull | 12 mo | 90-day | Varies | 50 states |
| Acima | Retailer + D2C | Soft pull | 12-24 mo | 90-day | Varies | 50 states |
| Katapult | Retailer (ecomm) | No trad. check | Up to 18 mo | 90-day | Varies | 46 states + DC |
| Snap Finance | Retailer partner | Alt. CRAs | 12-18 mo | 100-day | $5,000 | 50 states |
| American First Finance | Retailer partner | Multi-product | Up to 12 mo | Yes | Varies | 50 states |
| Koalafi | Retailer partner | Alt. CRA | 12-24 mo | Yes | $7,500 | Most states |
| Kafene | Retailer partner | AI/alt. data | 12 mo | Yes | Varies | 50 states |
| Okinus | Retailer partner | No formal check | Up to 24 mo | 90-day SAC | $8,000 | Expanding |
| Crest Financial | Retailer partner | No credit needed | 12 mo | 90-day | Varies | 46 states |
| Kornerstone Credit | Retailer partner | No credit needed | 12 mo | 90-day | Varies | 50 states |
| Uown Leasing | Retailer partner | No credit check | 13 mo | Yes | Varies | 50 states |
| SmartPay | Wireless retail | No (optional) | 6-24 mo | Yes | Varies | 50 states |
| FlexShopper | D2C marketplace | No credit needed | 12 mo | 90-day SAC | $2,500 | Most states |
| RTBShopper | D2C marketplace | No credit check | 12 mo | Yes | $5,000 | 50 states |
| RentDelite | D2C marketplace | No credit check | 12 mo | 90-day | $2,500 | 50 states |
| LeaseVille | D2C marketplace | No credit check | 12 mo | 12-mo SAC | Varies | 50 states |
| Zebit | D2C (installment) | No credit check | ~6 mo | N/A (own day 1) | $1,500 | 50 states |
| Perpay | Payroll deduction | No hard check | Payroll-based | N/A (own day 1) | Varies | 50 states |
| Aaron's Online | Omnichannel | No credit check | 12-24 mo | 120-day SAC | Varies | 50 states |
SAC = Same as Cash. Alt. CRA = Alternative Credit Reporting Agency. D2C = Direct-to-Consumer. Terms and availability subject to change — verify directly with each provider.
Retailer-Partner Providers
These companies integrate into other stores' checkout processes. You apply while shopping at a participating retailer — the provider purchases the item and leases it to you.
Progressive Leasing
Largest virtual LTO provider — partners with Best Buy, Lowe's, Samsung, Zales, and thousands more
Credit Check
Soft pull only (no FICO impact)
Lease Term
12 months
Early Buyout
90-day early purchase option
Payments
Weekly, biweekly, or monthly — aligned to your pay schedule
Product Categories
Subsidiary of PROG Holdings (NASDAQ: PRG). The largest retail partner network in the industry.
Acima
Virtual lease-to-own with LeasePay card — shop anywhere, build credit with Experian
Credit Check
Soft pull only — approval based on income ($750+/mo) and checking history
Lease Term
12, 18, or 24 months
Early Buyout
90-day buyout at cash price + ~$25 fee
Payments
Weekly, biweekly, twice-monthly, or monthly via bank account, debit, or credit card
Product Categories
Subsidiary of Upbound Group (formerly Rent-A-Center). Offers a virtual Mastercard (LeasePay) for shopping anywhere. Reports to Experian.
Katapult
Ecommerce-focused lease-to-own — approval in seconds, return anytime
Credit Check
No traditional credit check — uses alternative data
Lease Term
Up to 18 months
Early Buyout
90-day early purchase at cash price + 5%
Payments
Weekly, biweekly, or semi-monthly
Product Categories
Publicly traded (NASDAQ: KPLT). Strong ecommerce focus with 200+ online retail partners. Formerly known as Zibby.
Snap Finance
Up to $5,000 approval — 100-day purchase option across 26+ retail verticals
Credit Check
Uses secondary CRAs (Clarity, DataX) — not solely FICO-based
Lease Term
12-18 months
Early Buyout
100-day option — pay off early and save significantly
Payments
Monthly payments via bank account or card
Product Categories
Offers both lease-to-own and installment loan products. Uses the phrase "Virtual Rent-to-Own" in its own marketing. Up to $5,000 approval.
American First Finance
Multi-product platform — lease-to-own, installment contracts, and bank-issued loans
Credit Check
Considers all credit profiles including poor or no credit
Lease Term
Up to 12 months
Early Buyout
Early buyout options available
Payments
Monthly via automatic deduction
Product Categories
Owned by FirstCash Holdings (acquired for ~$1.17B in 2021). Routes consumers to the best-fit financing product based on their profile.
Koalafi
Up to $7,500 approval — one of the highest limits in the industry
Credit Check
Prequalification is soft pull; lease acceptance uses alternative credit bureaus only
Lease Term
12, 18, or 24 months
Early Buyout
Early buyout available throughout lease
Payments
Flexible — based on your pay frequency
Product Categories
Formerly West Creek Financial. No interest charged — lease fee model. Also offers a virtual lease-to-own card. Up to $7,500 approval.
Kafene
AI-driven underwriting with 20,000+ data points — no traditional credit check
Credit Check
No traditional credit check — AI approval using alternative data
Lease Term
12 months
Early Buyout
Significant discount for early payoff; return anytime
Payments
Monthly lease payments
Product Categories
Fintech startup that has raised $134M+ in funding. Uses machine learning to underwrite consumers traditional models would decline.
Okinus
Up to $8,000 approval — reports to Equifax and TransUnion to build credit
Credit Check
No formal credit investigation — verifies residence, income, and references
Lease Term
Up to 24 months
Early Buyout
90 days same as cash
Payments
Biweekly or monthly — aligned with paycheck deposits
Product Categories
One of the highest approval limits at $8,000. Reports to both Equifax and TransUnion. No interest — lease fee model.
Crest Financial
$40 down payment to start — reports to Equifax to build credit
Credit Check
Approves consumers with no credit history
Lease Term
12 months
Early Buyout
90-day buyout option
Payments
Flexible — first payment due 10-45 days after signing
Product Categories
Only $40 down payment required. 4,000+ retail partners. Reports to Equifax. "In-Home Layaway" program.
Kornerstone Credit
Founded by 100+ industry veterans — affordable leasing programs with early payoff discounts
Credit Check
No credit needed
Lease Term
12 months
Early Buyout
90-day payoff with most leasing cost waived
Payments
Monthly lease payments
Product Categories
Mobile and cloud-based platform. Claims to offer some of the most affordable leasing programs in the industry.
Uown Leasing
True no-down-payment program — no FICO score used
Credit Check
No credit check — approval based on job, income, and other factors
Lease Term
13 months to ownership
Early Buyout
Early buyout available; return anytime
Payments
Weekly or biweekly
Product Categories
One of the last true no-down-payment LTO programs — no payment required at signing, not even processing fees.
SmartPay
Wireless device specialist — lease smartphones with no credit check
Credit Check
No credit check by default (optional check for better terms)
Lease Term
6-24 months
Early Buyout
Early buyout options available
Payments
Monthly, every 4 weeks, twice monthly, or biweekly
Product Categories
Specializes exclusively in mobile/wireless devices. Partners with major wireless retailers.
Direct-to-Consumer Providers
These companies operate their own online stores or marketplaces. You browse their catalog, apply, and lease products directly — no third-party retailer involved.
FlexShopper
Online marketplace with 100,000+ products — 90-day same as cash
Credit Check
No credit needed — applying does not impact FICO score
Lease Term
12 months (52 weekly payments)
Early Buyout
90-day same as cash; declining buyout after 90 days
Payments
Weekly (standard), biweekly, or monthly
Product Categories
Up to $2,500 spending limit. One of the largest D2C lease-to-own marketplaces. Also partners with retailers. Note: Filed Chapter 11 in December 2025.
RTBShopper
Online rent-to-own store — up to $5,000 approval, free delivery
Credit Check
No credit check regardless of credit history
Lease Term
12 months to ownership
Early Buyout
Early buyout options available
Payments
Weekly and monthly — set up to match paydays
Product Categories
Free delivery (often same-day in select areas). Up to $5,000 approval. Accepts all major credit cards for down payments.
RentDelite
Online + mobile app — lease electronics, furniture, phones with no credit check
Credit Check
No credit check — accepts all credit situations
Lease Term
12 months (1-month minimum)
Early Buyout
Cash price within 90 days; full ownership after 12 months
Payments
Weekly, biweekly, semi-monthly, or monthly
Product Categories
Available via iOS, Android, and Windows apps. All products are new. Payments start only after receiving the product. Up to $2,500 spending limit.
LeaseVille
BBB A+ rated online lease-to-own store — 12 months same as cash
Credit Check
No credit check — based on income ($2,000+/mo) and banking history
Lease Term
12 months (with same-as-cash option)
Early Buyout
12 months same as cash
Payments
Flexible payment options
Product Categories
BBB A+ and Business Consumer Alliance AAA ratings. All products brand new and factory sealed. Wider product range including musical instruments and cameras.
Zebit
0% interest marketplace — millions of products, pay over time
Credit Check
No credit check — verifies identity, employment, and/or income
Lease Term
6 months of payments (typical)
Early Buyout
Not applicable — you own the product from day one
Payments
6-26 payments based on income frequency; 25-35% down at checkout
Product Categories
0% interest and no fees — one of the few providers to offer this. Installment model (not a lease — you own from day one). No credit building available.
Perpay
Payroll-deduction shopping — 0% interest, optional credit building
Credit Check
No hard credit check — limits based on income and employment stability
Lease Term
Divided across paychecks (you choose number of payments)
Early Buyout
Not applicable — you own the product from day one
Payments
Automatic payroll deduction — 0% interest, no fees
Product Categories
Unique payroll-deduction model. 0% interest and no fees. Perpay+ credit-building program reports to bureaus (avg. +32 points in 3 months).
Aaron's Online
Traditional RTO chain with full ecommerce program — 120-day same as cash
Credit Check
No credit check
Lease Term
12-24 months
Early Buyout
120-day same as cash (180 days for Gold Club members)
Payments
Weekly, biweekly, or monthly
Product Categories
Traditional RTO chain (NYSE: AAN) with a distinct online program. Free delivery, setup, and service. Separate online and in-store approval systems.
Online Rent-to-Own vs. Other Payment Options
Online RTO vs. Traditional RTO Stores
Traditional stores (Aaron's, Rent-A-Center, Buddy's) lease from their own showroom inventory and include free delivery, setup, and service. Online RTO providers partner with retailers or run marketplaces — giving you access to far more products and brands, but you typically handle delivery and service yourself.
Online RTO vs. Buy Now, Pay Later (BNPL)
BNPL services (Afterpay, Klarna, Affirm) split a purchase into a few interest-free installments over weeks — you own the item immediately and owe the full balance. Online RTO is a lease: you make ongoing payments to use the item and can return it anytime. You only own it after completing the lease or using an early purchase option.
Online RTO vs. Store Credit Cards
Store credit cards require a credit application and hard inquiry. If approved, you take on debt. RTO is not credit and not debt — it is a terminable lease. If your situation changes, you return the item with no further obligation. Most online RTO providers use soft pulls or alternative data, so applying does not affect your FICO score.
Frequently Asked Questions
Prefer a Local Store?
VRTO (Virtual Rent To Own) lists every rent-to-own store in America — both local shops and national chains. Search by city or zip code to find stores near you.
VRTO is an independent directory service. We are not affiliated with, endorsed by, or connected to Aaron's, Rent-A-Center, or any other rent-to-own company. Store information is provided for reference purposes only. Some directory descriptions and guides are drafted with AI assistance and reviewed for accuracy by our editorial team.
VRTO is not affiliated with, endorsed by, or connected to any of the online rent-to-own providers listed on this page. All information is provided for comparison purposes only and was accurate at the time of publication. Terms, availability, and approval criteria change frequently — verify directly with each provider before applying. This page does not constitute financial advice.