Frequently Asked Questions
Apply—Once approved, go shopping! The application process is quick and easy and can be completed on your phone, tablet or computer.
Take It Home—Take your merchandise home the same day or arrange for delivery.
Make Payments—Make all of your payments according to the terms of your agreement and own your merchandise upon completion.
There are no application fees, you are under no obligation to Community Finance until you sign your lease. Full terms and conditions will be presented to you prior to signature. Have any questions, call, text or email us.
Yes. An account that has been active at least 30 days that we can ACH for payments. This must be an account where your income is deposited.
We do not do business in NJ, VT, WI or MN. For NV, we are limited to products that are used in a home. In addition, we are restricted in pets for CA, CO, IL, VA, NJ, MA, CT, MD, NV, WA, WI, WV, MN, NY, VT, Miami/Dade County FL.
Yes. We have partnered with Terrace Finance to provide application processing and support.
We certainly understand that things come up in life and customers have many different credit profiles. We consider more than just your score!
We make instant decisions. However, we may require additional information to verify your application. The most common items are: copy of drivers license and income validation via bank statements or pay stub.
Great question! Lease-to-own simply means that you make recurring payments for the use of the products you have selected at an agreed upon amount and frequency. When you have made your last payment, the product is yours.
Any durable good. Some of our most popular items are lawnmowers, pets, appliances, furniture, jewelry, recreation and fitness products. There are a lot more items. You can contact our sales concierge team to help you find the product you want.
Our standard offer is based on the price of the product and term. We offer different terms to fit within your budget.
You may pay off early at any time and incur no prepayment penalties. We do offer a 30-day same as cash option (Some states regulate different same as cash periods. See your contract for details).
No, Community Finance offers early payment discounts.
We understand that there are times when life gets in the way. That’s why we offer a “Skip-A-Payment” option. After you’ve made your first four regularly scheduled payments, you have the option to skip two payments within any twelve month period. They cannot be used back-to-back. Just call or email us and extend your term, pushing out your current payment.
Contact Community Finance and speak with a representative at 702-630-9090.
Over 18 years old, income over $1,300 and active ACH-able checking account.
Since this is a lease-to-own agreement, there is no interest rate. Your term will be a fixed amount times the number of payments. What is the interest rate?