Style your home now,
pay over time

Lease-to-Own with easy payments and flexible purchase options.

See If You’re Approved

Choose the purchase pace that works best for you

Purchase items within 90 days and just pay the retail price.

After 90 days keep paying or purchase leased items to save.

Pay until the end of your lease term to own your items.

Get Approved For Up To $4,000

Our Lease-to-Own application is fast and easy to complete, and won’t harm your credit. You could get approved for $300 to $4,000 of shopping power. Get an instant decision!

See If You’re Approved

The Benefits of Becca’s Home

Get An Instant Decision

See if you’ll be approved for up to $4,000, with no hit to your credit score. Access your approval and start shopping right away.

No Credit Needed

We know a three-digit number doesn’t tell your story. That’s why every Becca’s Home approval is no credit needed.

Simple, Automatic Payments

Easy weekly, biweekly or monthly payment options and automatic withdrawals accommodate your payday schedule.

Build Credit Every Month

We report your on-time payments to all three major credit bureaus which helps establish or boost your credit score.

90 Day Purchase Option

Purchase your items within 90 days and pay just the retail price. Save big on leasing costs. No extra fees.

Early Purchase Savings

You can choose to purchase your item at any point during the lease at a discount. The sooner you do so, the more you save.

Frequently Asked Questions

You can apply online to get an instant decision. If approved, you will be provided with an available limit that can be used to place an order in the Becca’s Home store.

Requirements:

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 will be provided an available limit that can be used to order products once you are approved. Your available limit can be viewed on the success page of your application and in emails that Becca’s Home sends upon approval.

No, you don’t. 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.

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.

You can purchase the merchandise at any time after you receive it.

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.

The due dates of your renewal payments are based on your pay days. We accept weekly, biweekly, semi-monthly, or monthly pay days.