With SkyFinancial Lease to Own, take home the items you love and pay in small installments over time.

Our quick application, instant approval, and easy payment options make it easier than ever to shop at your favorite retailers.

Seamless Application

You can use SkyFinancial Lease to Own during check-out on a participating retailer’s website or while shopping at their store.

You’ll get a decision in seconds, with a clear payment schedule, and you can take your items home with you same-day.

Good Credit Not Required

We know that a credit score doesn’t tell the whole story. We use cutting-edge technology to offer you the best possible terms for your lease.

Shop With Confidence

You can take home the item you love today and pay for it over 12 months, regardless of your credit score.

Apply on your phone and shop in-store, or shop online and apply directly on your favorite retailer’s website.

Early Payoff Discounts

Want to pay off your item early? We’ll give you an awesome early-purchase discount, no matter where you’re at in your lease term.

Complete Flexibility

With simple monthly payments, attractive early payoff discounts, and the ability to return your item at any time, SkyFinancial Lease to Own puts you in control.


100 Days Same as Cash*

If you decide you want to pay off your item within the first 100 days of your lease, all you’ll pay is the “same as cash” price that the product was financed for in-store.


Easy Application

Complete your application in a few minutes, either in-store while you’re browsing for your items, or during check-out on a participating retailer’s website.


Get Approved

You’ll get your spending limit instantly, so there’s no waiting around.


Pay Over Time

Get the products you want right away, with the flexibility to pay over time.

Customer FAQ's

Find answers to questions about the solution and SkyFinancial.


How do I apply?

  • Apply at a participating retailer.
  • Shopping in-store? Apply from your smartphone or at a SkyFinancial iPad.
  • Shopping online? Choose SkyFinancial Lease to Own at checkout.

What do I need to qualify?

You need to be 18 years or older, have an income of $1,000 a month or more, have a government ID, have a valid checking account, and have a credit or debit card.

Do you check credit?

You do not need a good credit score to apply. We know it doesn’t tell the whole story. We use cutting-edge technology to offer you the best possible terms for your lease.

Can I pay off early?

Yes. You can pay off any of your items in your lease early. We offer easy, discounted Early Purchase Options throughout the duration of your lease.
If you pay off your item(s) within the first 100 days, you will pay the cash price that the product was financed for in-store, plus any applicable taxes and fees.

Can I return the product?

Yes. You can return your item(s) and discontinue your lease at any time.

What if my item breaks?

You're expected to do standard maintenance and care on your items during the lease. If an item breaks because of any kind of manufacturing defect, we'll repair it quickly and at no additional cost. As the caretaker of the items you are leasing, you will be responsible for loss or damage that occurs in excess of normal wear and tear, except where otherwise required by state and local laws.

How much will my payments be?

Payment amounts are based on your payment frequency and the cost of the item you are purchasing.

How much can I get approved for?

Lease amounts vary based on participating retailers, and your financial history.

How will I make payments?

We will send you a payment reminder a few days before the payment comes due. You can choose to have your payments auto-charged to the account of your choice, or make payments manually from your customer portal.

Can I manage my account online?

Yes. Simply log in to your customer portal to manage payments, make payments, update your address, and more.

Support 888-893-9133 support@skyfinancial.com F3EA Funding LLC or Sky Financial
P.O. Box 186,
Dania, FL 33004