BENEFITS
KEEP YOUR CASH
Sometimes it’s a better option to lease your big-ticket purchase instead of paying cash. Keep your money in your bank account. Having a cash buffer can really help when you need it.
BUY WHAT YOU DESIRE
Purchase the better product you really want with our Installment Lease.
COMFORTABLE PAYMENTS
Instead of paying all at once, pay for your products in comfortable installments. Community Finance (CF) offers our convenient Installment Leases that are straight-forward, very affordable, and easy to understand.
BUY WHERE YOU WANT
We have over 1,000 merchants in our network that we offer financing through and can also purchase products directly for you from popular sites as Home Depot, Lowes, Amazon, Wayfair and Overstock. If you are not able to find one that works – not a problem – we will either do a direct, on-time purchase or get your preferred merchant signed up with Community Finance.
NEVER ANY PREPAYMENT COSTS
If you wish to pay off your Installment Lease early with CF you may always do so at absolutely no cost! There are never any prepayment penalties, early payoff charges or anything of the sort. In fact, we actually give discounts if you want to pay off early!
SKIP-A-PAYMENT OPTION
CF understands that there are times when it’s a bit tight to make a payment. In times like these, CF customers can choose to skip a payment with our Skip-A-Payment option. You just call or email us, telling us which payment you’d wish to skip. The payment will simply be put to the end of the term. There is no charge what-so-ever
to use this handy feature. Customers have the option to skip two payments within any twelve month period.*
PURCHASE MULTIPLE PRODUCTS WITH ONE PAYMENT
Community Finance now offers our new Group Installment Lease program! When customers want a larger ticket item there are usually accessories to go along with it. You can also purchase multiple items that are not even related. With CF’s Group Installment Lease program, all these items can be grouped together for one simple payment. It’s completed with one contract and it’s all processed with a customer’s single application.
EXPERIENCE AND PROFESSIONALISM
The Community Finance team has years of experience helping customers complete their applications and getting financed. We also will always treat our applicants with respect – giving truthful reasons if we are unable to move forward.
*Skip-A-Payment option becomes available after the first four payments.
Also, your two Skip-A-Payment options cannot be used back to back.
They can be used separately at any time.
APPLICATION REQUIREMENTS
Community Finance offers people the ability to take home the products they really want and pay for them with comfortable installment payments through our signature Installment Lease service.
*Below are the basic requirements to apply:
Employment
12 months as W-9 contractor or owner, 6 months on job or on a defined benefit. *If you have recently changed jobs but it is similar to your previous job, we encourage you to apply. We will look to combine the time on jobs.
Net Income
Minimum monthly net income of $1,300
Checking
At least one month with an account that we can ACH for payments. This must be the account where your income is deposited.
Once you are ready to begin, simply fill out the application. Community Finance will get you a pre-approval based on the information you provide and supplemental information you give us permission to pull during the application process. We will then finalize your approval by validating information based on documents we will ask you to provide.
* These are the basic requirements to apply and do not guarantee an application will be approved. Approvals are based on all the information in your application; your credit, income, etc.
APPLY NOW!
INSTALLMENT PAYMENT CALCULATOR
Enter the total product amount and your payment will be calculated.
30 DAY SAME AS CASH OPTION
If you wish to purchase the products in your installment lease from Community Finance, within 30 days of the Installment Lease date, your purchase price will be the exact same amount that we paid to purchase the item(s). The purchase price includes the full price we paid to the store; product price, taxes, commission, etc.
CA customers, refer to contract
