PAY
OVER
TIME

Your Pawn Store Payment Solution

  • One Application
  • Multiple Providers
  • All Credit Profiles

HOW IT WORKS

in-store application flier

APPLY

Apply through our QR code at your local participating pawn store. Need help finding one? Call us at 888-509-1370.

Your application is routed through our network of payment solution providers to help find a program for your unique credit profile.

Shopper icon

SHOP

Choose your items up to the maximum purchase amount quoted in your approval.

We will work with the store to generate your contact and present term options and repayment details.

Shopping Cart icon

FINALIZE

Once you review your assigned provider’s offer carefully and e-sign the contract, you can take home your purchase.

Future payments are to the assigned provider.

Need help locating a participating store near you?

Call 888-509-1370 for options

ELIGIBLE PRODUCTS

  • push mower
    lawnmowers
  • watch
    watches
  • kayak
    sporting goods
  • outdoor power equipment
  • lawn tractor
    riding mowers
  • snow blower
    snow blowers
  • camera
    camera equipment
  • metal detector
    metal detectors
  • laptop
    computers
  • piano
    musical instruments
  • tech
  • tv
    TVs
  • treadmill
    fitness equipment
  • cuban link necklace
    cuban links
  • ring
    fine jewelery
  • backpack blower
    outdoor power equipment
  • bike
    bikes
  • cell phone
    unlocked cell phones
  • sofa
    furniture
  • pressure washer
    pressure washers
  • drone
    drones
  • podcast equipment
    podcast equipment
  • gas grill
    grills
  • dj equipment
    audio equipment

FREQUENTLY ASKED QUESTIONS

Yes. We have partnered with Terrace Finance to provide application processing and support.

  • Apply through the FlexApproved QR code at your local pawn store the be matched with a payment solution provider— Once approved, go shopping.
  • Review your contract with the payment solution provider at checkout, select your terms, and e-sign.
  • Take home your items and enjoy!
  • Make Payments—Make all of your payments according to the terms of your agreement and own your merchandise upon completion.

There are no application fees! You are under no obligation to any payment provider until you sign your agreement. Full terms and conditions will be presented to you prior to signature.

Instant decisions are available depending on the product category and the payment solution which best matches your credit profile. Some lenders/lessors may require additional documentation to verify identity, such as a driver’s license, or income verification such as bank statements or pay stubs.

Lease-to-own is a way to get the products you need without making a full payment upfront. You can lease the goods for the initial term (or longer) and then you own the product when you finish making all the payments.

Products that are tangible, durable (expected to last longer than the term of the lease), safe (reasonably safe and not prone to excessive litigation/ liability), and returnable. Firearms and other weapons are not eligible.

FlexApproved specializes in providing a pathway to ownership for people with less-than-perfect credit. We work with multiple payment solution providers to find a payment solution that fits both your unique credit profile whether you have good, average or low/no credit, increasing your odds of approval. For any application, credit score paints only part of the picture. Income, time on the job, and various other aspects of credit history may come into play.

No. Our process utilizes a “soft” credit pull only which does not affect your credit score.

This varies by the specific payment solution provider, but most offer early payment discounts which can help you save money. Early payoff options will be outlined in your agreement. Be sure to read your agreement before e-signing.