An All-Inclusive Guide

FlexShopper emerges as a formidable player in the lease-to-own market, particularly noted for offering the broadest selection of products among competitors. As a relatively new entity, it has quickly distinguished itself by providing customers access to over 100,000 products, including unique items like automobile tires and goods from major retailers such as Best Buy, Amazon, and Overstock.

Here’s an overview:

  • Unmatched Product Variety: Offers an extensive array of over 100,000 products across diverse categories, ensuring a wide selection for every need.
  • Innovative Shopping Solutions: Features the FlexShopper Personal Shopper service and FlexWallet app, allowing customers to lease items found on other websites or in retail stores.
  • Flexible Delivery Options: Provides the choice of delivery or in-store pickup, adding convenience to the leasing process.
  • Financial Protection: Offers payment waiver protection against involuntary unemployment, enhancing customer security.
  • Competitive Pricing: The Cash Price option presents savings if the total cost is paid within 90 days, making it financially attractive.

While FlexShopper’s expansive inventory and flexible shopping tools are significant advantages, potential lessees should be aware of the credit check requirement, the absence of a loyalty program, the lack of credit reporting, and the absence of a 50% payoff discount after the same as cash period. Despite these considerations, FlexShopper’s vast product options and innovative leasing solutions position it as a top choice for consumers seeking variety and flexibility in their lease-to-own experiences.


No Credit Check*




FlexShopper is a lease-to-own online marketplace that lets people take home one or more of thousands of items without having to pay the full cost of their merchandise up front. Many shoppers do not have the cash on hand to pay for items, especially expensive items like furniture, electronics, appliances, and the like. And many more do not have a strong enough credit score to buy those items through traditional credit routes.
This is where FlexShopper can help. Shoppers with low cash reserves or less-than-stellar credit find the opportunity to take home new items now and make weekly payments toward ownership, without hidden fees. The payments are small, making the arrangement affordable for most.
It is true that, when compared to the usual cost of an item, rent-to-own purchases can be a bit pricier. And yet, FlexShopper customers find it a reasonable trade-off for the convenience of the FlexShopper experience.


Those who hear about FlexShopper for the first time often wonder if the marketplace is legitimate. Well, with more than 500,000 shoppers already making simple weekly payments for the products they want, the answer is a resounding yes. However it does have some mixed reviews from customers, which we describe later in this article.
Not only does FlexShopper have a lot of online visitors, it also boasts a large inventory of products. With more than a 100,000 items from which to choose, an online shopper can find nearly anything they are looking for. Electronics, baby care, furniture, jewelry, and more. Much, much more.
Another factor to the credibility of FlexShopper is its connection to other trusted marketplaces, such as:

  1. Amazon
  2. Best Buy
  3. Overstock
  4. Walmart
  5. Lenovo
  6. And others

If you are looking to upgrade your home, your office, or anything else, you can feel secure renting or leasing through FlexShopper.


The shopping experience that might have been difficult or impossible for some shoppers is now simple and fun with FlexShopper. The marketplace works in four simple steps:

Step 1: Download FlexWallet

Step 1: Download FlexWallet

Download FlexWallet. It is available on both the Google Play Store and Apple’s App Store. You can use the app for both in-store and online shopping.

If you prefer not to download the app, you can sign up for an account and apply for purchases directly on the FlexShopper official website as well.

Step 2: Fill Out the Form

Step 2: Fill Out the Form

The next thing to do is to fill out the form to apply. Make sure you accurately input information into your profile to make sure your application is approved. And when it is approved, you will be given a spending limit of $2,500.

Step 3: Select the Product

Step 3: Select the Product

You can now open FlexShopper on either a mobile device or a PC. Sign in and choose the product you want to buy. The amount of your weekly payment will be listed beside the product you select. If you agree to make the payment every week, add the product to the cart and go to checkout.

You can also designate whether you would prefer to pick your item up from the store (if available) or have it delivered to your home.

Step 4: Pay Weekly

FlexShopper will set up reasonable weekly payments for you, which you agree to pay. These payments will continue for 52 weeks or one year. The first payment will be required when you receive the product; the remainder of the payments will be deducted automatically from your bank account.
The amount of your weekly payments will vary depending on which product or products you purchase. Regardless of what or how many products are selected, the payments will span 52 weeks. After this period has passed, you become the owner of your selections.


When it comes to selection, FlexShopper cannot be beat. It’s not just what they offer, it’s what you can lease from them.
FlexShopper allows you to identify products you want to lease by sending them a picture and description of the product. FlexShopper will let you know how much it will cost to lease the product, thereby making the product offering only limited by your imagination.
Once you are approved for an account with FlexShopper, you can add products to your cart until you have reached your spending limit of $2500. You can select one large product or lease multiple items, as long as the total price does not exceed your limit. Your product selection on their website easily exceeds 100,000 products.


FlexShopper pulls your credit report from Factor Trust and Clarity services. Furthermore, the company also requests your credit score from at least one of the three major credit reporting agencies.
And yet, you do not need to worry about a less-than-perfect credit score. FlexShopper will still move forward with your application and extend an amended credit limit so that you can lease to own what you need.


In an era of growing inflation, where people find themselves short on cash flow, many shoppers are having a tough time buying the things they need or want. Fortunately, with a marketplace such as FlexShopper, customers receive products without paying everything up front.
Of the available lease-to-own marketplaces, FlexShopper stands out as one of the few that is growing rapidly. More and more shoppers are now signing up for FlexShopper because of all the benefits it provides. Each of these advantages is appreciated by users old and new.
What are some of these benefits?

Lease Brand New Products.

One of the main reasons why customers choose FlexShopper is that all of the products listed on the marketplace are authentic and brand-new merchandise. There are more than 100,000 new products from which to choose. These are not used goods or cheap knockoffs, which some associate with other rent-to-own marketplaces.
In addition, you can find several famous brands at FlexShopper. Some popular electronic brand name choices available are:

  • Apple
  • Google
  • Samsung
  • Nectar

So getting top-notch products from some of the best brands is one of many reasons why people love FlexShopper.

Name Brand Products

When you shop with FlexShopper, products are delivered to you directly from trusted retailers including Amazon, Lenovo, Best Buy, Overstock, and more. FlexShopper points out these vendors on their website so that the customers do not need to wonder or worry about whether the products they receive will be original or not.

You Don’t Need High Credit Score to Qualify

If you have little money and a poor credit score, FlexShopper still encourages you to apply for an account. That is because they do not emphasize the need for a perfect credit score. While it is standard for FlexShopper to review your credit history and credit score rating with credit reporting agencies, the results do not prevent you from getting products. Your credit helps FlexShopper to determine the level of credit they will initially extend to you.
FlexShopper does not accept every application submitted - and FlexShopper does reserve the right to deny accounts with extremely poor credit scores. Although, FlexShopper is more than willing to work with those who have not been able to maintain superior credit, as long as they believe a customer is likely to make their weekly payments.

Applying is Easy

Another reason why customers are choosing FlexShopper is that they make it really simple to apply for an account. You need only enter some personal information through their app or website. The entire application process takes a few minutes.
Getting approval takes a bit longer. But it does not take months. You can receive approval in a matter of hours or within a couple of business days.

Making Payments is Easy

Perhaps the biggest reason why customers choose FlexShopper is the simplicity of your weekly payments. You make payments for 52 weeks (1 year). After making the last payment, you own your merchandise.
FlexShopper also provides their customers a chance to opt-in for bi-weekly or monthly payments. Just provide FlexShopper with your credit or debit card information, which it will use to process the payments accordingly (to the schedule you prefer).
You can then place the order and follow up with a call to FlexShopper Billing at 855-353-9289 Option 1. The company will make the installment schedule change for you, and the money will be charged from your account according to the plan you choose.
On their website, FlexShopper compares their prices to “the other guys”. Take a look:


FlexShopper vs. The Other Guys

If you are looking to buy a Samsung 55-inch 4K Smart TV, then here's the comparison table of others vs. FlexShopper.

FlexShopper The Other Guys
$26 per week $23 to $25 per week
Only 52 weekly payments with FlexShopper. For $23, you will have to pay 96 weekly payments. For $25, you will have to pay 72 weekly payments.
The total money at the end of the year will only be $1,352. If you choose a $23 per week payment plan, then you will end up paying $2,160 in total. If you choose a $25 per week plan, then the total income at the end of it will be $1,800 in total.

As you can see in the comparison above, it is clear that FlexShopper is a better deal, saving you money over its competitors.


FlexShopper offers more than 100,000 products, and the number is growing every month. So, you can get nearly any product you are looking for in the marketplace. You can find items in one of two ways: use the search feature on the FlexShopper website or select a category.
There are more than a dozen categories, each having its own sub-categories where you can find 1000s of popular brand name products.
FlexShopper Categories include:

  • Appliances & Vacuums
  • Audio
  • Baby & Kids
  • Cameras
  • Cell Phones
  • Computers and Tablets
  • Health & Fitness
  • Jewelry & Watches
  • Mattresses
  • Outdoors

And the list goes on. Each category contains sub-categories, giving you access to thousands of items.

Rent to Own Appliances & Vacuum

In the Appliances and Vacuum category, customers love to buy microwaves, dishwashers, ovens, washers, dryers, coffee makers, and the like. They can also get their hands on big ticket items, such as freezers and refrigerators, which is not possible for a lot of people to purchase at full price with one payment.

Rent to Own Audio Products

In the Audio category, customers purchase headphones, MP3 players, docking stations, and radios. Given that home theater systems are often expensive, they are a popular choice for people at FlexShopper.
Just 52 simple weekly payments, and you become the owner of a home theater system.

Rent to Own Baby & Kids Category

FlexShopper also helps take care of your babies. So, if you are a struggling parent, don’t let your kids feel the impact. The most popular products for lease in the baby category are baby monitors, cribs, desks, baby chairs, and tables.

Rent to Own Cameras & Camcorders

If you are a photographer, then FlexShopper has everything you need. It’s no secret that Cameras and Camcorders are costly and a lot of struggling photographers can’t afford them. But now there is a glimpse of hope as they can now get them on low weekly payments.
In this category, the ones people love to buy are Digital SLR cameras, Mirrorless system digital cameras, camera lenses, trail cameras, video drones, Action camcorders, and traditional camcorders.
In addition, camcorder accessories, home security and surveillance, webcams, instant cams, etc., are also popular choices.

Rent to Own Cell Phones

In addition to cell phones, there is a separate category for tablets and computers, which you can also lease and then own. Popular products in this category are desktops, monitors, laptops, printers, scanners, hard drives, iPads, tablets, eBooks, gaming monitors, gaming mice, gaming desktops, gaming laptops, etc.

Rent to Own Furniture

Furniture is one of the most expensive categories in any marketplace. That is why thousands of people prefer to get them on weekly lease-to-own payments.
This is where FlexShopper comes in.
On FlexShopper, you can get your hands on bed frames, bed sets, kids beds, nightstands, dressers, stools, pub tables, dining chairs, gaming furniture, living room sets, rugs, coffee tables, and other furniture.

Rent to Own Mattresses

FlexShopper also lets customers become the owners of any size of mattress they want. You can choose from King, Queen, Full, and Twin.
That’s not it. Top brands like Nectar, Dream Cloud,and Ashley Furniture are part of the mix. Rather than paying up front for a cheap and uncomfortable mattress, go to FlexShopper and make payments on a quality mattress for better sleep.

Rent to Own Garage & Outdoor

If you don't have products for your garage and outdoor spaces, FlexShopper gives you a chance to get a new grill, outdoor sofas, patio dining set, or even a lawnmower, among other items.

Rent to Own Health & Fitness

Those who care about their health really admire the Health & Fitness products listed on FlexShopper. There, you can get exercise cycles, home gyms, treadmills, smart watches, Apple watches, health monitors, activity trackers, etc. So, you can now upgrade your gym accessories now with FlexShopper.

Rent to Own Jewelry & Watches

Do you love to wear jewelry and watches? Many shoppers are unable to pay up front for these items. Lucky for you, “Jewelry and Watches” is a category in FlexShopper. There, you can choose from a wide range of necklaces, rings, jewelry and watches for men & women, and much more.


How to Find Products that May Be Out of Stock - like Sony PlayStation 5 Consoles - on FlexShopper

Once you sign in to FlexShopper, search for PlayStation 5 in the search bar. You will then see all the PlayStation 5 units offered on this marketplace and from where they will be shipped. Their availability will also be mentioned. Click on the one that you like and proceed with the payments.


FlexShopper has thousands of satisfied customers. People love how they can get the products they need easily without any hidden fees. As mentioned above, the rent-to-own marketplace includes almost every product a person could want or need. Not only does FlexShopper have quality brand name products, but they also have quality customer service.
That is why FlexShopper has already received more than 175,000 reviews, and many if not most customers - give FlexShopper a 5-Star review.
Let’s have a look at some of the pros and cons of FlexShopper.


  • FlexShopper offers a large selection of products so you can find almost anything you need or want from this marketplace.
  • Popular brands like Apple, Google, Lenovo, Acer, Nectar, and others are found on the marketplace.
  • If the product you want is not on FlexShopper, then the company will find it for you, which you can also get on lease by using FlexShopper Personal Shopper service.
  • The amount of the weekly payment is listed with the product. There are no hidden fees or any clauses that might cause trouble for you in the future.
  • A person with a bad credit score can receive approval.
  • If you want, you can pay for your product sooner and not wait for 52 weeks to own it. You can even enjoy an extra discount of up to 35 percent.
  • FlexAdvantage provides budget safeguarding.
  • More than 500,000 customers have joined this marketplace as of yet.


  • There is no loyalty program.
  • No early payoff discount
  • No flexible payment terms
  • Requires checking credit or creditworthiness


FlexShopper has a large pool of customers and a fairly solid reputation. Looking at the reviews from a number of platforms, you might see that they are mixed. And yet, the ratings rise above the competition.
Here are some of the reviews for FlexShopper on various platforms:


So, how does FlexShopper stack up against other rent-to-own marketplaces?
Here is a comparison of FlexShopper with five other marketplaces:

FlexShopper vs. Rent-A-Center

FlexShopper and Rent-a-Center are two of the biggest rent-to-own marketplaces available, but they have a few differences:

  • Rent-a-Center is a more established publicly traded company as compared to FlexShopper.
  • FlexShopper is only online, while Rent-A-Center has physical stores too.
  • FlexShopper offers more products than Rent-a-Center.
  • FlexShopper offers an installment finance option, while Rent-A-Center does not.

FlexShopper vs. Aaron’s Rents

Aaron's is perhaps the biggest competitor of FlexShopper, but both have some distinguishing points:

  • FlexShopper is an online marketplace, but Aaron's Rent has both online and physical stores. There are more than 1,300 Aaron's Rent locations all across the states.
  • FlexShopper has more categories, but Aaron's Rent has more products. Let's take Furniture as an example. Aaron's Rent offers Ashley Furniture and another dozen brands, including Acme Furniture, Abbyson Living, Boyd Sleep, Elements International, and Global Furniture, among others.
  • Aaron's Furniture includes service and repair, which FlexShopper does not.

FlexShopper vs. Fingerhut

People also search for the comparison between FlexShopper and Fingerhut. These two are indeed reputable companies, but they have a few differences:

  • Fingerhut is slightly more popular than FlexShopper.
  • The number of categories is higher on Fingerhut, but FlexShopper wins the battle when it comes to the number of products.
  • Fingerhut also includes a wide range of movies and TV series, which FlexShopper does not.
  • Fingerhut reports to the credit bureaus, but FlexShopper does not. This means you can build up your credit score with Fingerhut.

FlexShopper vs. LeaseVille

LeaseVille is another competitor for FlexShopper, and it is important you know about the comparison between these two.

  • Overall, FlexShopper has more products than LeaseVille.
  • FlexShopper includes more expensive products, while LeaseVille offers fewer products, but offers a broad range of musical instruments
  • You won't see as many furniture products and categories on LeaseVille as FlexShopper.

FlexShopper vs. Buy on Trust

Buy on Trust is another online rent-to-own company that is often compared with FlexShopper.

  • Buy On Trust mainly focuses on the products from Best Buy electronics, while FlexShopper includes Amazon and Walmart.
  • FlexShopper allows you to choose pickup or home delivery for your shipping options. Buy On Trust, on the other hand, wants you to place the order and pickup your purchased product at a local retail store.

So, that's the comparison between FlexShopper and other firms. It’s now time to make a retail price comparison with Amazon.


FlexShopper Prices Vs. Traditional Retail

Naturally, a rent-to-own arrangement is going to cost quite a bit more than paying up front for your merchandise. And yet, more and more people are taking advantage of buy now, pay later and rent-to-own options, like FlexShopper. Still, it is important to understand the added cost associated with the convenience of the service.
Let’s say you want to buy a PlayStation 5 console. On Amazon, you will have to pay $499 in advance before the seller ships to you.

On FlexShopper, you can get it for $37 per week.

FlexShopper Prices Vs. Traditional Retail

However, the total cost of ownership will be more:

Marketplace Price
Amazon $499
FlexShopper $37 per week (37 x 52 = $1,924)

Similarly, if you want to get AirPods Second Generation, then:

Marketplace Price
Amazon $169 (All in advance)
FlexShopper $8 per week (8 x 52 = $416)

Despite being charged more, people still go for FlexShopper because it is easier to pay weekly than to pay the full amount in one go.
Let’s now see what happens when you don’t pay FlexShopper.


If you do not make your agreed weekly payments, FlexShopper will add a small fee, the Dishonored Check fee, to your account. That is because the payments are automatically drafted from your account. If the money is not available for payment, you are in default.
If this happens to be the case, the first thing that happens is a FlexShopper representative will call you and inform you about the missing payment. A better option is to alert the company in advance if you will be unable to make a payment. In many cases, arrangements can be made as long as it is not a recurring theme.


If you are unsure that you will be able to keep up a commitment to make weekly payments, then you should avoid using FlexShopper. If you are unable to continue payments, you will have to return the merchandise you have selected and forfeit payments already made. If your product is not in good condition, if it has scratches or other damage, or if it no longer works properly, you will still be required to pay the full price of the item or face legal consequences.


The consequence for neglecting on your promise to pay FlexShopper depends on which state you are living in. In some states, laws are weighted in favor of consumers, while in others, the leasing companies get the benefit.
In most states, not being able to pay lease payments is a civil matter. However, the clauses you agree to during the application process could make it a criminal theft matter. So, if you don’t return the item or stop paying weekly, there can be significant consequences.
If FlexShopper pursues a matter in court, and they win the case, the court might order you to pay:

  • The agreed payment every week.
  • All the expenses the company had to pay to pursue the legal action and some more.

Therefore, it is suggested that, if you are unable to pay the agreed amount, you should communicate with FlexShopper as soon as you can and then return the item.
You can also contact the FlexShopper representative and ask for a pause on the payments for a specific period. If the company agrees, you can then resume the payments where it was stopped and then become the owner of the item when these are completed. If FlexShopper does not approve of it, you can always then get the product on lease again when your financial condition improves.


If your circumstances change and you no longer want weekly payments deducted from your bank account, then you have the option to get out of your FlexShopper contract. For this, you can do two things:

  • Return the Product- You can give notice to the company and initiate a return request. In this case, the condition of the product should be an acceptable condition. There must not be any defects in the product and the item must be in working order. If not, FlexShopper won't accept the return. Also, FlexShopper might ask you to pay a designated fee to get out of the contract.
  • Pay The Full Amount- The second way to end the contract with FlexShopper is to pay the full amount. The company lets customers complete payment early and end the agreement.

There is no other way to end the contract. In either case, you will have to make payments until the product is paid in full (or make one lump sum payment and pay off the purchase).


FlexShopper does not accept returns during the initial lease period. However, there is one exception: if the product you received was defective. For this, you can register your complaint at resolutions@FlexShopper.com, and a representative will guide you through the return process.
After this period, you can make a return. Just contact the company, inform the representative that you are making the return, and he or she will guide you through the process.


Q1. How Does FlexShopper Repossess Items?
A1. FlexShopper does not repossess products if during the initial lease term, although an item can be returned after the initial lease term. Note that it has to be in acceptable condition. If the company spots any scratches or damage, your return won't be accepted. You will then be obligated to make payments until the end of your agreement term.
Q2. Does FlexShopper Build Or Help Your Credit?
A2. No, FlexShopper does not help your FICO score. That is because FICO scores are not reviewed or pulled while approving the application of FlexShopper customers. So, don't expect your credit score to go up even though you make timely payments to FlexShopper.
Q3. What Websites Use FlexShopper?
A3. FlexShopper is connected to websites like Amazon, Walmart, Best Buy, etc. Furthermore, if you are looking for a product and it is not on FlexShopper, they can find the product for you in a variety of other online retailers.
Q4. Can You Pay Off FlexShopper Early?
A4. Yes, you can pay off FlexShopper early if you want to. In fact, the company also encourages you to do this. You might also get discounts if you do this. However, you can only get to do this after 90 days of the lease agreement.
For this, go to the “Early Purchase” option, confirm it, and then make the payment.
Q5. What Stores Does FlexShopper Use?
A5. FlexShopper has partnered up with stores like Best Buy, Amazon, Walmart, Overstock.com, and many more so that you get all the products you want.
Q6. How to Get Approved for FlexShopper?
A6. You can only get approved for FlexShopper if you fulfill some specific requirements. You must be:
  • At least 18 years old (except you must be 19 in AL and NE, and 21 in MS)
  • Have an acceptable source of income
  • A resident of the U.S. (but not in New Jersey, Minnesota, Wisconsin, or Wyoming)
  • Also, you should have the following:

  • Checking account in good standing.
  • SSN or ITIN.
  • Your phone number and address.
  • If you fulfill the criteria, the chances of getting accepted are good.

Q7. How Can I Increase My Spending Limit on FlexShopper?
A7. Generally, FlexShopper has a spending limit of $2500. But if you talk to the company's customer representative, then the spending limit can be increased depending on your credit worthiness. The representative will offer you different options to choose from. Each of these options will have different spending limits.
Q8. How to Make a Payment on FlexShopper?
A8. FlexShopper payments are to be deducted automatically from your bank account. Customer usually opt-in for the weekly plan.. However, biweekly and monthly plans are also great options.
Q9. How to Know When Your Order is Sent?
A9. To find your product order, you can log in to your account and choose ''View Orders.'' There, you will see a tracking number which you can use to check where your package is in transit at the moment.
Q10. Is FlexShopper Going Out of Business?
A10. No, FlexShopper is not going out of business. In fact, a lot of people are joining every day, which is increasing their revenue.
Q11. How Do I Change My Home Address?
A11. FlexShopper does not let you change your address to ship the products to an unverified address. However, if you have changed home or shipping address you can always get in touch with the representative to update your account.
Q12. How Long Does FlexShopper Take to Ship?
A12. It usually takes a few business days for FlexShopper to ship your order. When you place your order, you can go to your account, open the “View Order” section, and then view your order tracking number. Use it to locate where your package is in transitand how long it will take to reach your home.




Every important piece of information about FlexShopper is public.