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We are proud to announce that we have partnered with TimePayment to offer Lease-to-Own financing options to our customers. This provides a fantastic option to preserve your existing capital and lines of credit, while getting the products you need. TimePayment is an award winning provider of consumer & commercial equipment financing.
Q: Should I apply for financing if I have bad credit?
A: Yes, TimePayment has programs for all ranges of personal credit
Q: What is the difference between a lease and a loan?
A: Leasing your item with TimePayment may be an affordable alternative to a loan.
Many lending institutions have very strict requirements businesses must meet before the bank will extend a loan or line of credit. Bank loans usually require a significant down payment that can range between 10% - 20% of the equipment cost.
With a TimePayment lease our standard program only requires one advance payment and the documentation fee prior to the start of the lease. TimePayment is able to offer financing to more people that have yet to establish a strong credit history or have a compromised credit history through our innovative, multilevel financing products.
Q: What happens at the end of my lease?
A: The lease to own agreement is structured so that you make equal monthly payments over a pre-defined term, with 3 payments due at the end of the term of your lease to complete your purchase. For example, a 36 month lease will be structured as 33 monthly payments, with 3 payments due at the end of the lease term to purchase your item.
Q: Can I cancel my lease?
A: Your Lease Agreement is non-cancelable. As the Lessee, you are responsible for all of the lease payments.
If you wish to pay your balance in full to put an end to your monthly payments, you can buyout the lease early with no penalty.
Q: What should I do if my application is declined?
A: Your application was not approved because you did not meet our minimum credit guidelines based on the information provided to us during the application process. You may simply need to submit additional documentation to TimePayment for your application to be approved, or you may have the option of adding an additional Personal Guarantor or a cosigner. Please consult your underwriter for further options
Q: Is there a penalty for early payoff?
A: No, you can pay off the balance of your lease at any time during the term of your lease agreement
Q: How quickly will I receive a credit decision?
A: Typically customers seeking to finance less than $10,000 will receive a credit decision instantly after submitting your application, or via email confirmation within 2 minutes. For transactions above $10,000 you will receive a decision within 4 hours.
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