Frequently Asked Questions
Here are a few of the questions we get the most.
Becca’s Home is an alternative way to shop for the furniture and home decor you want, without paying cash or relying on credit. After completing an easy application process, you’ll receive an instant approval decision. If approved, begin a lease to own agreement that will allow you to get your merchandise right away for a low initial payment, then make payments until you obtain ownership.
Becca’s Home is currently available nationwide and covers 97%+ of the US population. We are working hard to be available in all 50 states!
We are currently NOT available in the these US states:
- Alaska (AK)
- Hawaii (HI)
- Minnesota (MN)
- New Jersey (NJ)
- Vermont (VT)
- Wisconsin (WI)
- Wyoming (WY)
You can purchase the merchandise at any time after you receive it.
Becca’s Home offers a 90-day early purchase option, which begins on the date you receive your merchandise and expires 90 days later. This option lets you purchase the merchandise for the Retail Price. There are no additional fees.
Any time after the first 90 days, you can purchase the merchandise by paying 50% of your remaining total cost of lease. This lets you purchase the property before the end of the 17 months of lease renewal payments at a discount.
You can also make lease payments for 17 months and you will own the merchandise! If you elect not to purchase the merchandise through one of these options, you may terminate the lease at any time without penalty.
You are not automatically enrolled in an early purchase option at lease inception. To purchase early or schedule payments to exercise a 90-day purchase option, log in to your account.
Becca’s Home lease-to-own is not credit. With a credit transaction, financing or a loan, you make a purchase with borrowed money that must be repaid, often with interest. With a lease-to-own agreement with Becca’s Home, we own the merchandise, and you can take ownership after making all standard lease payments or through an early purchase option.
- Be 18 years old or older
- Have an active checking account with at least $1,800 of income per month
- Have at least three months of income history with your current source of income
- Have a government-issued photo ID, and a social security number or Individual Taxpayer Identification Number (ITIN)
If you’ve got all those things, great! Get started and we’ll let you know within seconds if you’re approved!
You should be able to complete the application process and open your account in less than 2 minutes.
Nope! It’s free to apply.
While we may receive your consumer report and credit score, we look at multiple data points in order to make a final decision, and we regularly approve customers who have less than perfect credit history. All you need to do to get started is provide some personal information and meet some basic income requirements.
Your credit score with the national credit reporting agencies (TransUnion, Experian, and Equifax) should not be impacted by applying for a lease through Becca’s Home. Our application process, however, does include a review of your consumer report, and depending on the consumer reporting agency, the inquiry may appear on your consumer report. Becca’s Home uses a soft pull when it accesses your consumer report from any of the national credit reporting agencies (TransUnion, Experian, and Equifax).
We may receive your credit score as part of our review of your consumer report. However, we don’t base our approval decision on just your credit score in isolation. We use proprietary technology to look at the bigger picture, and we approve many customers who have less than perfect credit history.
You can be approved for items valued up to $5,000.
Once you’re approved for a lease, the approval lasts for 30 days! If you don’t use it in that time frame, the approval simply expires.
Your ongoing payments are based on the value of the merchandise you select and the cost of lease services. Once you pick out the merchandise, we will create a lease agreement based on the value of the leasable items. You can review your renewal payment amounts and renewal frequency prior to signing the lease agreement.
Yes, you may have up to three active leases at one time.
We offer free shipping nationwide for every order on our website.
The due dates of your renewal payments are based on the pay dates you enter on your application. After you make your first renewal payment, you’re able to change your payment frequency if needed.
During the ordering process, you will be asked to provide a credit or debit card to be used for your initial payment. We will automatically charge this card for all future scheduled payments, according to your lease’s payment schedule. You may update your payment information at any time in your account.
Yes. You will receive payment reminders a few days before your due date. If you are not sure when your next due date is, you can check your payment schedule in your account.
Yes. We charge and collect sales tax. Sales tax is added to all payments.
Lease-to-own is a convenient way to get the items you want now – without a big upfront payment or a long-term commitment.
The time to ownership is 17 months.
You also have the option to obtain ownership early. When you’re ready, you can end the lease with early purchase options described in your agreement. These options allow you to save significantly compared to the total cost of the lease. When you choose to own is up to you!
The 90 day purchase option provides your lowest early purchase option price. In the 90 day period after your items are delivered, you can purchase the item by paying the difference between the payments you’ve already paid and the retail price shown on your agreement at any time before 90 days are up. You end up owning it for the original retail price, plus tax, of course.
No, we do not charge a fee to pay off early.
Our standard agreement offers 17-months to ownership, if scheduled payments are made. You can also take advantage of the early purchase option at any time to save big.
Once you have made all payments and the lease is complete, you own the items. You can also complete your lease early with the Early Payoff Option. There are no additional fees.
The 17-month lease-to-own total includes the retail price of the items and the lease-to-own costs. It is the total of all scheduled lease payments, which includes your initial payment. You will also be responsible for applicable sales tax. Acquiring ownership by leasing costs more than the retail price.
Becca’s Home owns the merchandise until you’re ready to own it. After you sign the lease agreement, we lease it to you until you obtain ownership or terminate the lease.
If you prefer predictable payments and the flexibility of the lease, you can own it after making all lease renewal payments. If you’re ready sooner, you can purchase early as described in the agreement and save over the total cost of the lease.
We understand that unexpected situations come up that may prevent you from continue to lease-to-own your merchandise. If you find yourself unable to continue with your lease-to-own agreement, please feel free to contact Customer Service to discuss your options.
Using Becca’s Home allows you to demonstrate a repayment history to the credit bureaus. By providing an account for your purchases, Becca’s Home helps you build your credit score in several ways:
- Automatically having your balance paid in full every month creates a consistent payment history, which accounts for 35% of your score.
- Becca’s Home starts the clock on your average length of credit history, accounting for 15% of your score.
- Becca’s Home adds another account to your credit mix, which makes up 10% of your score.
Normally, you should begin seeing Becca’s Home on your report 60-90 days after your first payment.
It’s FREE! There are no fees or hidden costs of any kind.
We report to Equifax, Experian, and TransUnion.
No, there are no fees. Please contact customer service and we will work with you to find the best option.
Customers have the right to return within 14 days of product delivery as stated in our return policy. You will receive a refund of money paid, minus any applicable return fees. Most banks will process the refund within 5-7 business days.
However, if you lease the goods for at least the initial term and you give us proper notice, make all of your required payments and return the item in good condition, the Lease ends and you have no further obligation to us.