What Is Lease-to-Own?

West Creek’s Lease-to-Own financing helps customers bring home the items they want by making payments over time. Our program is slightly different from a loan. Here is how it works:

The Lease-to-Own Process

Signing a Lease

Signing a Lease

Once the customer is approved, pays their initial payment and signs a lease agreement, West Creek purchases the merchandise from the merchant and schedules regular payments from the customer.

Receive Items

Receiving Items

The customer receives the merchandise, and starts making regular payments to West Creek. West Creek owns the merchandise and rents it to the customer until the lease is paid in full.

Making Payments

Making Payments

The customer may pay their lease including leasing costs over the full term, or for a significant discount on leasing costs if they choose one of our early purchase options.

Acquiring Ownership

Acquiring Ownership

Once the customer fulfills their lease agreement, they become the owner of the merchandise. The customer can terminate their lease at any time for no penalty by returning their merchandise.