Payment Estimates. The monthly and weekly payment amounts shown on this page are illustrative estimates only. They are not an offer of credit, a pre-approval, or a guarantee of any specific payment, rate, term, or finance charge. Actual payment amounts, interest rates (APR), finance charges, lease fees, down payment requirements, total cost of ownership, and approval criteria are determined solely by the financing or lease-to-own provider you are matched with and depend on your purchase amount, creditworthiness, income, state of residence, and other factors. Final terms will be disclosed in writing by the financing provider before you sign any agreement.
Simple Home Plus Is Not a Lender. Simple Home Plus is a retailer and is not a lender, broker, or financing provider. Simple Home Plus does not underwrite, approve, or service any financing or lease-to-own agreement. All credit and lease decisions are made exclusively by the applicable third-party financing provider. Simple Home Plus may receive compensation from financing providers in connection with applications or funded transactions.
Pre-Qualification. Pre-qualification is an initial review that does not constitute an offer, approval, or guarantee of financing. Pre-qualification uses a soft credit inquiry that does not affect your credit score. If you proceed to a full application, the financing provider may perform a hard credit inquiry or request additional information (such as income verification or bank information), which may affect your credit score. Being pre-qualified does not guarantee final approval. Pre-qualified offers are typically valid for a limited time (generally 30 days) and may expire; expiration details will be displayed with your offer.
"No Credit Needed" Programs. Certain financing options advertised as "No Credit Needed" or "No Credit Required" do not require a strong credit history, but most providers still perform a credit check and may consider other factors such as income, banking history, and prior application history. "No Credit Needed" does not mean "No Credit Check." Any credit review and the full terms of any offer will be clearly disclosed before you complete a full application or sign an agreement.
Lease-to-Own Programs. Lease-to-own (also called rent-to-own or LTO) agreements offered through certain providers are not loans, credit, or financing agreements. Under a lease-to-own agreement, the provider purchases the merchandise from Simple Home Plus and leases it to you. You do not own the merchandise until all scheduled lease payments have been made or you have exercised an available early purchase option. The total cost of ownership under a lease-to-own agreement will be substantially higher than the retail cash price of the merchandise. Early purchase options, payment schedules, fees, and availability vary by provider and by state. Complete terms will be disclosed in the lease agreement before you sign.
Availability & State Restrictions. Financing and lease-to-own programs are not available in all states. Products, terms, rates, fees, and minimum/maximum purchase amounts vary by provider and state and are subject to change at any time without notice. Not all applicants will qualify for all programs, the lowest advertised rate, the longest advertised term, or any particular promotional offer.
Equal Credit Opportunity. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Privacy & Data Security. Personal information you provide in connection with a financing application is encrypted and transmitted securely to the financing providers considering your application. Your information is used solely for the purpose of processing your financing application. For questions about your application status or financing options, contact Simple Home Plus at support@simplehomeplus.com.
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