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One of the most important features of any rent-to-own furniture program — and one of the least understood — is the early payoff option. Most lease-to-own programs allow you to purchase the item outright before the end of your lease term, at a reduced price compared to what you’d pay if you made all scheduled payments. The savings can be substantial.
But early payoff terms vary dramatically across programs. Some offer generous early purchase pricing that makes lease-to-own genuinely competitive with traditional financing. Others have terms that are technically ‘early’ payoff but still charge most of the original lease fees. Knowing the difference before you sign is critical.
The 90-Day Same-as-Cash Option: Best Available
The gold standard for early payoff is the 90-day same-as-cash option, offered by Acima, Progressive Leasing, and some Rent-A-Center and Aaron’s locations. With this option, if you pay the retail price of the item (plus a small initial fee, typically $10 to $30) within 90 days of delivery, the lease is closed with no additional fees.
This effectively converts a lease-to-own arrangement into a 90-day interest-free loan. You get the item now, make weekly payments for up to 90 days, and pay off the remaining balance within 90 days to close at retail cost. For someone who can mobilize funds within 90 days — through a tax refund, savings, a bonus — this is the best value in the lease-to-own industry.
Acima’s Early Purchase Structure
Acima’s early purchase option is available from day one of your lease. The buyout amount starts at the retail price plus a small initial fee and decreases as you make payments. At any point, you can check your current purchase option amount in the Acima app or by contacting customer service.
The buyout amount decreases progressively — meaning the earlier you pay it off after the 90-day window, the less you pay in additional fees. Paying off a lease at 4 months costs less than paying it off at 8 months, which costs less than running the full 12-month term. Creating a habit of paying extra toward the buyout whenever possible is the most efficient strategy.
Progressive Leasing’s Early Purchase Terms
Progressive Leasing also offers early purchase options throughout the lease. Their 90-day option works similarly to Acima’s — retail price plus initial fee within 90 days. After 90 days, Progressive calculates a buyout amount that decreases as payments are made.
One key difference: Progressive Leasing’s buyout calculation can vary by retailer. At some retailers, a certain percentage of payments made is applied toward the purchase price; at others, the calculation is different. Always ask specifically what your buyout amount is after 90 days before committing to a lease, so you know exactly what you’d need to pay for the most cost-effective outcome.
Rent-A-Center Early Purchase Options
Rent-A-Center offers early purchase discounts at various points during the lease, including after 6 months, 9 months, and other interim intervals. The discount structure varies by location and promotion. Some stores offer a 50% credit on payments made toward an early purchase; others use a flat early buyout schedule.
In-store conversations with Rent-A-Center staff can clarify exactly what your early buyout amount would be at any given point. Unlike online programs where this is available in an app or portal, Rent-A-Center’s buyout terms are often best confirmed in person or by phone.
FlexShopper Early Payoff
FlexShopper offers early payoff options, though their structure is somewhat less standardized than Acima or Progressive Leasing. Customers can contact FlexShopper at any point to request an early payoff quote. The early payoff amount will be less than completing all scheduled payments but may not have as favorable a 90-day structure.
Review your FlexShopper lease agreement’s early payoff section before signing. Knowing exactly how the early buyout is calculated — and at what points the most significant savings opportunities exist — allows you to plan your payoff strategy before you even receive your furniture.
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Frequently Asked Questions
What is the 90-day same-as-cash option in rent-to-own?
It means you pay the retail price of the item within 90 days and close the lease at near-retail cost — avoiding most additional lease fees. It’s the best early payoff deal in the industry.
Do all rent-to-own programs offer early payoff?
Most major programs — Acima, Progressive Leasing, Rent-A-Center, Aaron’s, and FlexShopper — offer some form of early purchase option. Terms vary significantly, so always ask before signing.
How much can I save by paying off a rent-to-own lease early?
Potentially hundreds to thousands of dollars depending on the item and when you pay off. A $700 sofa that would cost $1,400 over a full lease might cost $720 with a 90-day payoff.
How do I find out my current early payoff amount?
Check the program’s app (Acima), account portal (Progressive Leasing, FlexShopper), or call/visit the store (Rent-A-Center, Aaron’s) to get your current buyout amount.
What’s the best strategy for using the early payoff option?
Apply any unexpected income — tax refunds, bonuses, gifts — toward your buyout amount. Set up a small additional savings goal each week. Even paying off a few months early saves significantly.
Affiliate Disclosure: EasyPayQuick.com participates in affiliate programs with Acima, Progressive Leasing, Rent-A-Center, Aaron’s, FlexShopper, Klarna, Affirm, and other payment plan and lease-to-own providers. We may earn a commission when you click links and complete an application. This does not affect your approval odds, payment terms, or the cost of your plan. All information is provided for educational purposes only.