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No Credit Required*


• Get it today 
• Instant decisions 
• No reference required 
• No application fees 
• We love to say yes

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Lease a wide selection of brand new items from Craftsman, Kenmore, Samsung, LG and More.

 

Flexible Payments**


Choose weekly (online only), bi-weekly, or monthly lease payments. If available, purchase the item within 30, 60, or 90 days for 5, 8, or 10% over cash price, respectively. Purchase options are not available in NJ, VT, WV, and WI. See details below.

 

*Applying online for a lease is easy, and you'll gain immediate access to a full range of merchandise upon approval. Unlike credit programs, Sears’ leasing program offers instant decisions with no credit required. To qualify, you must be at least 18 years old with a valid Social Security or Individual Taxpayer ID Number and meet the minimum monthly income. With leasing, all you need to do is make your first payment, and you can take your items home that day (when leasing in-store) or we’ll deliver them to you. Apply and get a decision in seconds and enjoy easy payments and a flexible payment plan.



 

**Offer valid in store and online at sears.com. This is a lease transaction. The lease has a 5-month minimum term [“Initial Term”]. Must be at least 18 years old and income requirements apply. Qualifying merchandise of at least $199 is required to enter into a lease at sears.com. Excludes non-durable goods. No security deposit required. Lease requires consumer to make first payment at lease signing, plus 19 weekly (offered online only) lease payments, 9 biweekly lease payments or 4 monthly lease payments. After fulfilling the Initial Term, you may: (1) continue to lease by making periodic payments in accordance with the terms of the lease agreement; (2) exercise a purchase option per the terms of the lease agreement (not available in NJ, VT, WI, or WV); or (3) return the leased items to WhyNotLeaseIt. For example, leased item(s) with lease amount of $600 with a weekly lease payment schedule (offered online only) would require $60 first lease payment followed by 19 weekly payments of approximately $25.26 plus tax, or a biweekly lease payment schedule would require $60 first lease payment followed by 9 biweekly payments of approximately $53.33 plus tax, or a monthly lease payment schedule would require $120 first lease payment followed by 4 monthly payments of approximately $105.00 plus tax, with total cost to lease the item(s) for the Initial Term of $540.00 plus tax. TEMPOE, LLC dba WhyNotLeaseIt® is an independent service provider of the LEASE IT program and not an affiliate or licensee of Sears®, Kmart®, Shop Your Way® or any other Transform SR Holdings LLC or its affiliates.

 

Frequently Asked Questions  

Sears’ leasing partner is TEMPOE,LLC. dba WhyNotLeaseIt®. WhyNotLeaseIt is an independent service provider. Transactions with WhyNotLeaseIt® are secure, confidential and compliant with all federal and State consumer leasing laws.

Yes, the lease has a 5-month minimum term. If available, you may be able to exercise an early purchase option within 30, 60, or 90 days of your lease. Purchase options are not available in NJ, VT, WI, and WV. 

• Must be at least 18 years old
• Minimum monthly income
• Valid Social Security or Taxpayer Identification Number
• Make the first payment and set up ongoing payments
• Valid email address
• Valid checking account or credit/debit card

You may have the option to purchase your leased item(s) without having to wait until the end of your 5-month minimum lease term. If available, you may purchase your leased item(s) within 30, 60 or 90 days from the beginning of your lease for 5%, 8%, or 10% over the cash price, respectively. 

 

See the table above or the leasing estimator.

 

Early purchase options are not available in NJ, VT, WI, and WV. 

If you decide not to take advantage of the Early Purchase option, you will continue making lease payments for the 5-month minimum term. Once you have completed the 5-month minimum term you may: (1) continue to lease by making payments on the same payment frequency; (2) exercise a purchase option per the terms of the lease agreement (not available in NJ, VT, WI, & WV); or (3) return leased items to WhyNotLeaseIt® 

 

You may contact WhyNotLeaseIt® with all questions about your lease. Their customer service department is available 7 days a week. They can be reached by phone at 1-855-965-4669 and by email at sears@whynotleaseit.com. You can also access information about your lease online at the customer service center.

You will make your first lease payment in store or online if shopping on sears.com. Ongoing lease payments are auto deducted from your preferred payment method on the dates listed in your payment schedule.

You can purchase your leased items from WhyNotLeaseIt®. Once the purchase is complete, you will receive proof of ownership from WhyNotLeaseIt. 

Purchase options are not available in NJ, VT, WI, and WV. 

If you are within Sears’ return policy window, you may return your item to Sears. Once your 5-month minimum term is met you may return your leased item(s) to WhyNotLeaseIt®. Call 1-855-965-4669 or email sears@whynotleaseit.com for more information.

Apply online and lease merchandise from Sears.

Most people live on a tight budget, which means money isn't always available at their fingertips. Sears has revolutionized the no-credit payment alternatives with a new leasing program. The program allows you to lease a wide variety of items including consumer electronics,  large appliances, furniture and more. Sears also offers eligible members a path to ownership that is simple, easy and aligns with your payment periods. With the Early Purchase Option, eligible members have the opportunity to purchase leased items within 30, 60 or 90 days from the origination of the lease agreement; earlier than the traditional 5-month Sears leasing program. Simply apply online, and if approved, take your approval code into your local Sears store to select items you're interested in leasing. A friendly Sears associate will then help you shop your way by compiling an inventory of everything you need.