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Does your credit need help?

Let us help you take some steps to better credit!

If you have had credit setbacks in the past (even significant ones) or have no credit history at all, let SMARTchoice help you get your credit back on track.

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Make the SMARTchoice

Start with our rent-to-own program where no credit is needed and everyone is approved.

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Build a
short history

After a short 6 months of on-time payments, we’ll give you the option to switch to our financing program.

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Report to
credit bureau

Switching to our financing program means lower weekly or monthly payments, and your payments will be reported to the credit bureau. We are the only rent-to-own company that offers this service and we are proud to help get our customers on a path to better credit.

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Your good payment history will be one of the factors that affects your credit score. With an improved credit score, you are more likely to be approved for better credit terms at SMARTchoice and elsewhere.