Getting Started
Rent to Own gives you the power to shop worry-free, with no credit needed.
- Choose from the best brands: Pick from your favorite furniture, appliances and electronics brands—such as Ashley Furniture, Whirlpool, Samsung, Maytag, LG and HP.
- Choose your payment plan: Select the payment schedule according to how you get paid.
- Pay online, text to pay, in store or auto charge
- Choose your delivery date: We’ll professionally deliver and set up your product at no extra cost – on the same day in most cases.**It’s easy to get approved — just complete and submit your order online or visit your nearest National Sales and Lease store, all with no obligation. Learn more about How National Sales and Lease Works.
No. No credit history is required, and we do not require a minimum FICO credit score.
All you need is some standard information:
- Personal Info: Name, social security number, date of birth, and contact info
- Income Info: Verifiable source of income
- Residence Info: Contact info for your landlord/mortgage company
- 4-5 References: At least two references should be relatives with separate addresses and phone numbers
National Sales and Lease does not report your payment history to the credit bureaus. We allow you to return your products at any time without further obligation.
Yes. We generally offer same-day delivery for in-stock products to addresses within our standard service area if you complete your agreement before 4 p.m.
Yes, on new agreements. We may adjust the weekly rate, term, and/or total price to match a competitor’s advertised price for identical items.
Yes. You will be sent a phone call or an email immediately following your order to confirm receipt and serve as your receipt. You will be contacted by phone to schedule delivery for items requiring delivery.
Payments / My Account
New agreements can be started at National Sales and Lease for as little as $5*
You choose the payment schedule that works for you. You can make your payments weekly, biweekly, semi-monthly or monthly.
National Sales and Lease offers multiple ways to pay:
- Auto pay
- Pay online
- Pay in store
- Call your local store to pay by phone with a Credit or Debit Card
After setting up your account, you will need your agreement number to make payments online. This can be found on your rental agreement or provided by your local store.
No, automatic payments can only be set for the standard amounts due on your items based on your pay frequency.
If you need to make a late payment, contact the manager of your National Sales and Lease store on or before your scheduled renewal (payment) date.
You can contact the store to schedule a return of your product.
Ownership
No. In fact, National Sales and Lease offers an Early Purchase Discount. If you choose to own your item early, you’ll save on the remaining total.
At National Sales and Lease, you have the freedom and flexibility to choose the ownership option that works best for your budget.
- Same as Cash: Own it in the same as cash period and you’ll pay only the cash price, the same-as-cash period is 90 days.
- Early Purchase Discount: After your same-as-cash period has ended, you still save on the remaining total if you choose to own your item early. National Sales and Lease offers a 45 percent savings on the remaining total. This can vary by state, so be sure to review your agreement.
- Low, Fixed Payment Option: If small payments and flexibility are more your thing, just make your regular rental payments, and you’ll own it at the end of the agreement.
Own it in the same-as-cash period and you’ll only pay the same-as-cash price; the same-as-cash term is 120 or 180 days.
After the same-as-cash period has ended, you can still choose to own the merchandise early and save. The Early Purchase Discount is 50% off the remaining total.
Products and Product Service
Yes! National Sales and Lease offers new brand-name items and previously rented merchandise for up to 75% off compared to new condition.
Contact your local store to set up an appointment to service your product.
Yes! If an item breaks during normal use, we’ll repair it quickly and at no additional cost.
At National Sales and Lease, you can upgrade at any time. Just contact your store. Your payments will be adjusted based on the new product selected.
National Sales and Lease Club Program
As an optional add-on to your rental agreement, membership provides a host of money-saving opportunities for items you would purchase anyway. Member benefits vary by state, but these are a few examples of what may be available where you live.
- Courtesy Waiver (Death Benefit): This benefit helps your family through a difficult time by having your account balance waived in the event of the untimely passing of an eligible member listed on the agreement(s).
- Paid-out Product Service Protection: Receive service on your paid-out merchandise for up to one year after ownership if you maintain membership in the Club Program. Protection is provided against product failure and mechanical breakdown of the merchandise not caused by external conditions.
- Dental Care Savings: Save an average of 15%-50% on your family’s dental needs by visiting one of the participating dentists.
- Prescription Savings (Open Formulary): Save 15%-60% on most short term and acute care prescriptions such as antibiotics and pain killers at participating pharmacies and 30%-70% off mail order retail prices.
- Vision Care & Eyewear Savings: Save 35% off normal retail prices on frames (complete pair) and 20% off lens and add-ons. Participating companies include Pearle Vision, JCPenny Optical, Lenscrafters and more.
- Lab Service Discounts: This benefit provides direct access to discounted lab work- no doctor’s appointment necessary. The savings range from 20%-80% off typical lab charges.
- Diabetic Supplies Savings: As a member, you and your immediate family 40%-60% on diabetic supplies, including test strips and more. Simply order by phone or online.
- Pet Prescription Discounts: Save money while caring for your pets when you fill their prescriptions at participating pharmacies
- Nurse Helpline: This benefit offers you the opportunity to consult with a registered nurse by calling a toll-free number at any time of the day or night, 365 days a year, concerning any medical or health related issues.
- Involuntary Unemployment Waiver: Contingent on approval of Mississippi Unemployment
- Discounts & Deals: Save up to 50% with our online deals and for local discounts use the free My Deals app.
- Rebates on Gasoline, Groceries & Utilities: Put money back in your wallet with up to $200 in annual rebates on everyday purchases such as gas, groceries and utilities.
- Grocery Coupon Savings: Pay for your membership every month by printing money-saving coupons. The best part is that you are selecting coupons for the items that you plan on buying.
- Roadside Assistance Savings: When you need roadside service, one call sends help and you pay a discounted rate.
- Car Service Discounts: Save 5%-15% when you show your membership card to participating Jiffy Lube, Meineke, AAMCO or MAACO service locations.
- Rental Car Savings: Receive exclusive discounted rates when you reserve your rental car at participating AVIS, Hertz, National, Alamo, and Budget locations.
- Hotel Lodging Discount: Save 15% off published rates when you book a Choice Hotel by phone or online using your exclusive discount code.
- 1-800-flowers.com Discount: Save 20% every time you order flowers and/or gifts through 1-800-flowers.com. Order by phone or online by providing the code included in your membership material.
- Entertainment Savings: Save on tickets for select amusement parks, movie theatres, sporting events, concerts and more.
*These benefits are NOT insurance. Not all members are eligible for all benefits. Some State specific restrictions may apply to some benefits. See membership agreement for limitations, exclusions and restrictions.
Please ask any helpful associate about our Club Program.
Marketing
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