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Lease It | Take it home today no credit required | apply now | Over 1 million customers have leased with us people love it!
Lease a refrigerator for as low as $30 a week - based on $699 refrigerator Lease it for $30 down, plus 19 weekly payments | shop all refrigerators
Low and Budget-Friendly Payments That Won't Break the Bank | shop all lease eligible departments
Lease a lawn tractors for as low as $54 a week | Based on a $1200 tractor Lease it for $54 down, plus 19 weekly payments, plus applicable taxes | shop all tractors
Lease a telivision for as low as $25 a week | Based on a $550 television Lease it for $25 down, plus 19 weekly payments, plus applicable taxes | shop all televisions
Lease a patio set for as low as $21 a week | Based on a $650 patio set Lease it for $21 down, plus 19 weekly payments, plus applicable taxes | shop all patio sets
Know the price of your item? Estimate Your Payments

Why Lease at Sears?
No Credit Required | Get it today Instant decisions No reference required No application fees We love to say yes
Top Brands | Lease a wide selection of brand new items from Craftsman, Kenmore, Samsung, LG and More.
Flexible Payments | You choose — weekly (online only), twice a month or monthly. Or buy it early after 30, 60, 90 days for slightly more than the cash price. (not available in NJ, VT, WI & WV.)
We're a Better Value | NEW products at competitive prices Include delivery, installation and protection agreements

How it Works
After the 5-month minimum term is met, you can Continue to lease, Buy it out Not available in NJ, VT, WI & WV., Return your leased item(s) to WhyNotLeaseIt (normal wear & tear accepted)
Apply | shop, then apply online or instore
Pay | make your first payment
Enjoy | take it home or we’ll deliver it

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

What do I need to apply?

Early Purchase Options
Take advantage of our 30, 60 or 90 day options to own it for slightly more than the cash price. (not available in NJ, VT, WI & WV.) | EXAMPLE - Own a $500 item for as little as $525, with up to 30 days to pay. Plus applicable tax
1-30 days plus 5% over cash price only $525
31-60 days plus 8% over cash price only $540
61-90 days plus 10% over cash price only $550

*This is a lease transaction. Qualifying merchandise of at least $199 is required to enter into a lease at Sears. Excludes non-durable goods, footwear and apparel items. Must be at least 18 years old. Income requirements apply. Minimum 5-month lease agreement. Lease requires consumer to make first payment at lease signing, plus 19 weekly (offered online only), 9 bi-weekly, or 4 monthly lease payments. At the end of the minimum term, leasing customer can: (1) continue to lease by making payments in the same amount and on the same payment schedule; (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®. No security deposit required. 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 Sears Holdings Corporation or its affiliates. **Pay 5%, 8% or 10% over cash price minus any additional money down, if applicable.

 


What is Leasing at Sears?

 

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FREQUENTLY ASKED QUESTIONS
 

Who is Sears' leasing partner?

Leasing transactions at Sears go through the company WhyNotLeaseIt®. They’re an independent service provider. Transactions with WhyNotLeaseIt® are secure, confidential and compliant with all federal consumer leasing laws.

What is the minimum leasing term?

The standard term is 5 months. There’s also the option to buy your items early—as soon as 30 days after the beginning of the lease. Or, take advantage of an Early Purchase Option (not available in NJ, VT, WV and WI).

What is the Early Purchase option?

Early Purchase gives you the option to buy your leased items without having to wait until the end of the 5-month lease term. You can buy your leased items as soon as 30, 60 or 90 days from the beginning of the lease. Doing so will also save you money in the long run (compared to buying the item after 5 months. leasing estimator. (not available in NJ, VT, WV and WI)

What if I don’t want to buy it early?

If you decide not to buy your leased items within the 90-day Early Purchase option, you’ll simply continue to lease as usual for the full 5-month leasing term. if you decide not to take advantage of the early purchase option, you’ll have the option to buy, continue to lease or return the items to WhyNotLeaseIt®.

Who should I contact with questions about my lease?

You can 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 and enjoy conveniently low payments and a flexible payment plan.

How do I make my payment at Sears?

You cannot make payments in-store at Sears. Payments are made to WhyNotLeaseIt®. Your payments will be auto-deducted from the account that you listed as preferred on your application. Payments will process on the dates listed on your lease payment schedule.

How do I buy out my lease?

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

How much does it cost to buy out my lease early?

It depends on how soon you buy it. Exercising an early purchase option between 1-30 days will add 5% of the lease value to the final cost; between 31-60 days will add 8% and between 61-90 days will add 10%.

For example, if you buy a $1000 item between 61 and 90 days, you'll pay a total of $1100 plus applicable tax for the item ($1000 plus 10%). 

How do I return an item I’m leasing?

If your 5-month term has ended and you don’t want to buy the item or lease it again, you can return the item to WhyNotLeaseIt®. They can be reached by phone at 1-855-965-4669 and by email at sears@whynotleaseit.com.

Shop smarter by taking advantage of Sears’ new leasing program, and get rewarded for the merchandise you lease with Shop Your Way points.


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 “rent-to-own” idea with a new leasing program. The program allows you to lease almost everything including consumer electronics, large appliances, furniture and basic accessories. Sears also offers members owning options that are simple, easy and affordable. With the Early Purchase Option, 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 to reduce the overall cost of owning your leased items. Simply apply online, get approved, and then 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.

Applying online for a lease is easy, and you'll gain immediate access to a full range of merchandise upon approval. Unlike credit programs, getting approved for Sears’ leasing program is fast and easy; you don't need to stress about your low credit score because credit isn't required for approval. 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 delivery them to you. Get approved in seconds and enjoy conveniently low payments and a flexible payment plan.

Shop smarter by taking advantage of Sears’ new leasing program, and get rewarded for the merchandise you lease with Shop Your Way points.