FlexShopper.com has a program that provides a $20 prepaid Visa card or gift card for every person you successfully refer to the lease-to-own site. Find more referral deals here.
FlexShopper partners with Rakuten (bonus available) and other cash back shopping sites. Be sure to activate one before shopping.
Do you have low credit or no credit? Then your options for purchasing furniture, electronics and other big-ticket goods can be very limited. FlexShopper aims to change that. It’s a lease-to-own site that partners with big retailers so you can eventually own high-priced items after making affordable, weekly payments. Keep reading for more on FlexShopper and their current offers.
FlexShopper $20 Referral Gift Cards
Get a $20 reward, payable in the form of a prepaid Visa card, Amazon gift card, or other eligible retailer or restaurant gift card of your choice, for every person who:
- Clicks on your unique referral link to apply for FlexShopper
- Receives a spending limit
- Executes a lease-to-own agreement within 30 days of the application
Got a FlexShopper referral link? Add it to the comments below.
Your referral must be new to FlexShopper to qualify. FlexShopper will email your referral reward four weeks after referral qualification. You cannot exceed $200 in referral rewards per calendar year.
How FlexShopper Works
Shop the 85,000+ items available on FlexShopper, and when you find something you like, you can apply to lease it and get approved to spend up to $2,500 in mere seconds. Anyone – with good credit, bad credit or thin credit – can apply.
To get approved, you must meet the following requirements:
- Live in the United States (except NJ, MN, WI or WY state)
- Be 18 years or older in most states (19 in AL and NE, and 21 in MS)
- Have a SSN, ITIN, phone number and address
- Have a current source of income
- Have a checking account and in good standing
Once you are approved and you complete your order, the product will ship directly to your door. FlexShopper provides free delivery to large-ticket items, such as major appliances, furniture and home gym equipment. You may pay more for extensive labor and installation.
Lease payments are deducted weekly (or biweekly or monthly) from your personal checking account until the item is paid off in full. Keep in mind, FlexShopper will report to the credit bureaus if you make any late payments.
During your lease term, you are not allowed to return any of your items, unless they are defective. Once you’ve made all of your payments, however, you do have the option to return the item if it is in good condition.
FlexShopper partners with top retailers, like Amazon, Best Buy, Overstock and Walmart. Here’s what you can buy with FlexShopper:
- Home Gym Equipment
- Home & Garden
- Wheels & Tires
FlexShopper provides a Personal Shopper service at no extra charge. This is a great feature if you’re looking for a specific item that you can’t find on FlexShopper. Simply send the URL to the company. They can usually add the item to your shopping cart and lease agreement.
FlexShopper does not charge interest, but the amount you pay over the lease term will be more than the retail price of the item. For example, say you bought a coffee table for $175 from Overstock. FlexShopper will charge you $6 per week for a year, which adds up to $312 total. In essence, that means the coffee table costs $137 to rent.
FlexShopper will also charge a late fee if you don’t pay on time. The amount per late payment depends on your lease agreement.
FlexShopper is a good solution for those who have bad or no credit and who are looking for a flexible financing option. While the site does let you lease-to-own, you’ll end up paying much more than the sticker price of the item.
For another flexible financing solution, check out Afterpay. They let you buy now and pay later, with no fees and no interest on your purchases. Afterpay currently has a $10 bonus credit for new customers.
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