11 Valley-Wide Showroom Locations | No-Credit-Needed & 12 Months Special Purchase Financing Options
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Did you know? At Spencer’s, we sell almost every item for LESS than our competitor's advertised price! Our PRICES ARE LOWER when you call or call 480-210-7425 or come to a store! Call or come in to one of our stores and you’ll save even more. Contact Us

Lease to Own

  • No Credit NeededThere's NO CREDIT NEEDED to apply for the lease-to-own Purchase Option.
  • Flexible PaymentsFlexible weekly, bi-weekly, or monthly payment options make it simple to use.
  • Lease-to-own option with no credit needed. 90-day purchase option availableYou can save money when you pay off your leasing using our 90-day purchase option: Standard agreement offers 12 months to ownership. 90-day purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early call 877-898-1970.
  • Instant DecisionDiscover how much you can get approved for and get the merchandise you need today.


  1. Apply online for an instant decision.
  2. Visit your nearest store to shop or shop online.
  3. Sign the lease agreement. Make your initial payment and take your merchandise home or have it shipped to you if shopping online.
  4. Pay off the lease with flexible payments.

You must need the following to apply:

  1. Must be 18 years or older
  2. Social Security Number or ITIN
  3. Bank routing and account number for an open and active checking account
  4. Credit or debit card


Click here to see our financing offer with our Spencer’s credit card through Citi.

Apply with Progressive

Apply Now No Credit Needed