- In-store and online applications accepted
- 6-, 12-, 18- and 24-months lease terms available*
- Get started for $49 + tax
- Lease to own transaction
- 120 days early buyout option**
- Approval amounts from $300 - $5000 available
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Lease to Own Options
Our Lease to Own Options
Grand offers flexible lease-to-own options through two providers, making it easy to get your furniture today.
- In-store and online applications
- Standard agreement offers 12 months to ownership
- Initial payment of $49 + tax1
- 90 days and other purchase options2
- Get an instant decision today
Progressive Leasing: Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer’s cash price. Select items only. At any time, you may purchase early or return merchandise and cancel lease. Not available in MN, NJ, VT, WI, WY.
No Credit Needed: Progressive Leasing obtains information from credit bureaus, but a credit history is not required. Not all applicants are approved.
1 The initial payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection.
2 90 day/Early Purchase Options: Standard agreement offers 12 months to ownership. 90-day and other early purchase options cost more than the retailer's cash price (except 3-month option in CA). To purchase early, or to cancel lease and schedule return of merchandise, you must call 877-898-1970. Retailer cannot activate early purchase options.
What is a Leasing Contract?
A leasing contract, or lease-to-own, lets you purchase your furniture today and lease it over time. Unlike loans, it’s not a credit transaction— the leasing provider buys the item for you and rents it out.
With scheduled payments, you can work toward ownership or if you no longer need the item, you can return it without penalty. Lease-to-own is flexible and accessible, even with little or no credit history.
Think credit might be a better fit for you? Get those details here »
Frequently Asked Questions & Details
- What is a LEASE?
- A lease is not a loan or credit transaction. It has several names: lease, lease-to-own, rent-to-own, or rental purchase. With a lease, you select the item(s) and the payment provider purchases from Grand. You take the items(s) home and the payment provider retains ownership until you pay for the item(s) plus rental fees.* Other fees may be included, such as late fees, non-sufficient funds, delivery, and optional Liability Damage Waiver fees. As a result, the total amount you pay for leasing an item is more than the retail cost.
Important Disclosures and Disclaimers
* Subject to approval and standard underwriting criteria. The transaction advertised is a lease. A lease is not a loan or credit transaction. It has several names: lease, lease-to-own, rent-to-own, or rental-purchase. With a lease, you select the item(s) and American First Finance (AFF) purchases the item(s) from the Merchant. You take the item(s) home. AFF retains ownership until you pay for the item(s) plus rental fees. Other fees may be included, such as late fees, non-sufficient funds, delivery, and optional Liability Damage Waiver fees. As a result, the total amount you pay for leasing an item may be more than double the retail cost. You can cancel your lease at any time without penalty by contacting AFF. An example of a 12-month lease with weekly payments: if you lease a $1,000 item and pay a $50 (plus tax) processing fee, you will have 52 additional weekly rental payments of $46.11 to complete your lease. Your total lease payments will be $2,452.21 with full, timely payments over 12 months. Late fees, non-sufficient funds fee, and Liability Damage Waiver fees may also be included where permitted.
** You will save money if you pay the discounted amount during the Early Buyout Option (EBO) period. You must make payments larger than your regularly scheduled payments by the EBO expiration date.
