Help Center

Payment Plans and Partners

We’ve made sure we have payment plans that will fit anyone’s
needs, so you can furnish your home stress free.

Apply Now!

One Application

It’s fast, secure and
no credit needed*

Check Your Eligibility Instantly

Match with multiple partners

Quick & Easy Checkout

Select PayPair payment at 
checkout and complete 
the required steps

Our Partners

No money down

Up to 13 months to ownership

No credit required****

90-day early buyout option

(877) 353-8696

No money down

Flexible payment solutions

No credit needed**

101-day early payoff option**

(855) 721-1188

No money down

Pay over 13 or 18 months

No credit required

101-day early purchase option

(855) 447-4921

Just $0.01 down

Flexible payment schedule

No credit needed***

90-day early buyout option

(844) 937-8275

Financing FAQs

What are PayPair payment plans?

We work with a variety of different partners that have different solutions, including Revolving Credit, Personal Credit Lines, Installment Loans, and Lease-to-Own. 

How do PayPair payment plans work?

You can get approved by our partners for a payment plan at checkout. Upon approval, make a selection that best suits your needs. 

What are the eligibility requirements for PayPair payment plans?

When you apply online at you may be asked for the following:

- Name
- Address 
- Mobile phone number
- Email
- Date of birth
- Income information

Which financial services has PayPair partnered with?

Scroll up to learn more about our partners and their payment plans. 

Do I need a good credit score to get approved for a payment plan?

No. Our partners consider many different factors in reviewing your application and regularly approve customers with less than perfect credit history. 

What if I have a question about the payment plan I signed related to my order?

Contact the partner whom you signed your agreement with. Scroll up to find their contact information.

Can I pay off my lease-to-own item early?

Most partners offer an early buy-out option between 90 to 101 days. 

**Approval is possible without a credit score, but credit may be checked. You can save money if you pay in full during the Early Buyout Option (EBO) period. You must make payments larger than your regular scheduled payments to ensure your account is paid off by the EBO expiration date. See agreement for details.

***“No Credit Needed” does not imply no credit check. This is a lease-to-own product. You will not own the leased items unless you make all scheduled payments or prepay in accordance with the lease. Details may vary by state. For qualifying customers only. Offer subject to change.

****This is a lease-to-own product and you will not own the product until you meet one of the buyout options within the lease agreement.