01.
Shop from 15,000+ retails locations.
Our lease-to-own options help you get essential items like furniture, mattresses, appliances, tires, electronics, jewelry, and more-without requiring credit*.
Simply pick a store and apply online at pingcredits.com or through our mobile app. You can also visit a retail location and shop in person.
02.
Get approved for up to $5,000.
Our quick and easy application won't impact your credit score. You could be approved for $300 to $5,000 in shopping power by meeting these simple requirements:
An active checking account with at least $750 in monthly income- At least 3 months of income history from your current source
- A government-issued photo ID and an SSN or Taxpayer Indentification Number
03.
Select your items from your preferred retailer.
Shop online through our new Ping x Proto MaketPlaceTM or visit your chosen retailer in person. Pick the eligible items you want -up to your approved lease amout-and Ping will purchase them on your behalf, leasing them to you under the agreed terms.
04.
Complete your checkout
Start Checkout
At participating retailers, provide your lease details to an in-store associate, select "Ping Checkout" online, or complete your purchase through the VivaPrepay mobile app.
Complete Agreement
We'll present a lease agreement of 12 months or more for you to review and sign.
Set Up Payments
Make your first lease payment and choose a payment schedule that fits how often you get paid.
05.
Enjoy your items!
Keep leasing until you own the item, or purchase early at a discount. The earlier you buy, the moew you save! And if you decide you no longer need the item, you can return it in good condition anytime--no penalties.