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You’ve got options.


Rent-to-own it.

Issues with credit or income? At SMARTchoice everyone is approved. No credit needed. 


Our rent-to-own program gives you flexibility. Looking for a short-term commitment or want to try a product before you buy – all with small weekly or monthly payments? This is the program for you.  Rent-to-own lets you get the products you want now, without a big upfront payment or need for credit.


With rent-to-own, you’re never locked in. Each month you can decide to return the product, continue to make your rental payment, or buy the product. And if you decide to buy within 90 days, all your previous payments will go toward the regular retail price of the product.


And after 6 months of on-time payments, you can switch to our financing program.


Finance it.

Once you have a proven payment history with us, we’ll give you the option to switch to our financing program. This means lower weekly or monthly payments, and your payments will be reported to the credit bureau.


Buy it.

Browse our selection. Make your purchase. Schedule delivery. And that’s it!