You must be 18 years or older, have a steady income of at least $1,000 per month, maintain an open/active checking or savings account, credit card, debit card or an eligible form of pre-paid debit card.

No, this is a leasing program. You make the payments and at the end of the minimum 5 month term you have the option to renew the lease, return the item or purchase the item in early buyout when eligible. We do NOT offer a 90 day same as cash option.

Yes, an ITIN is an Individual Tax Identification Number issued by the federal government for non-citizens working and paying taxes in the US. An ITIN is used instead of a social security number.

No. We must have a valid street address where the merchandise will be located. You may provide a P.O. Box address by emailing

Yes, we accept different forms of income such as Social Security, Retirement, Pension and Self Employment. If you think your income may not qualify please email us at or call us at 1.888.Why.Not.0

You can complete and submit an online application here or at one of our partner stores. While the majority of applications are approved in a matter of minutes, some applications require special processing and may take more time for additional verification.

Neither poor credit nor former bankruptcy will affect your approval. All previous bankruptcies must have been discharged/dismissed to receive an approval. DO NOT APPLY IF YOU ARE STILL IN BANKRUPTCY PROCEEDINGS. It is criminal fraud to lie about your bankruptcy status.

Yes. Once the minimum term is completed, you can continue leasing your item(s), return them to WhyNotLeaseIt, or purchase them.

An ACH Authorization is your verbal or written instruction that allows us to electronically withdraw a specified amount of money from your bank account on an agreed upon day from each payment period.

You must make your first lease payment in order to accept delivery of your selections.

No, payments are auto deducted from your bank account, credit card or debit card each period on the dates listed in your payment schedule.

Yes! After the 5 period minimum term you may buy your merchandise for a portion of the remaining depreciated value of the item(s).

A lease is not a loan – there is no interest rate. Please carefully examine your payment schedule for amounts payable.

Merchandise can be returned in accordance with the store’s return policy. If that option has passed, leased items can also be returned to WhyNotLeaseIt once the 5-month minimum term has been met. Details are provided in your Consumer Lease Agreement. You can initiate the return process by calling Customer Service. One of our representatives will assist with the return or facilitate a pick-up.