Q&A: Lease-to-Own at Impact Furniture

Q: What is lease-to-own?
A: Lease-to-own allows you to get the furniture you need now and make affordable payments over time. Once you’ve completed your payments, the furniture is yours!

Q: Do I need good credit to qualify?
A: No! Our lease-to-own program is designed for all credit types. Approvals are based on income and other factors, not just credit scores.

Q: How do I apply?
A: It’s easy! Click the application link below to apply now. You can also send us a message, and we’ll guide you through the process.

Q: What are the requirements to qualify?
A: To qualify, you must:
✔️ Be 18 years or older
✔️ Have an active checking account with at least $750 of income per month
✔️ Have at least three months of income history with your current source of income
✔️ Have a government-issued photo ID
✔️ Have a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)

Q: Is there a down payment?
A: Most lease-to-own options require an initial payment, but the amount depends on your approval. Ask us for details!

Q: Can I pay off my furniture early?
A: Yes! You can pay off your furniture early and save on fees. We also offer a 90 Days Same as Cash option—if you pay it off within 90 days, you’ll only pay the cash price with no extra fees!

Q: Does lease-to-own affect my credit?
A: Lease-to-own is not a traditional credit purchase, so it may not impact your credit score. However, payment history may be reported in some cases.

Q: Do I need to come into the store to apply?
A: No! You can apply online or over the phone. We make it easy to get approved from anywhere.

Q: Is delivery included with lease-to-own?
A: Yes! We offer free delivery within 30 miles, plus free setup. We also deliver to the Central Valley, Bay Area, and surrounding areas.