Advertising Disclosure: EasyPayQuick.com may receive compensation when you click on links to products on this site. This does not impact our reviews or recommendations.
A television is one of the most popular lease-to-own items in the US — and for good reason. TVs are expensive (quality 55-inch and larger models run $400 to $1,500), widely available through lease programs, and represent one of the few ‘big ticket’ purchases where weekly payments genuinely make the item accessible to people who couldn’t otherwise afford it.
Beyond TVs, lease-to-own programs also cover computers, laptops, gaming systems, tablets, and other electronics. This guide covers the best easy pay electronics options available without a credit check — including what to expect for weekly payments, which programs cover electronics, and how to avoid overpaying.
Which Programs Cover Electronics
Rent-A-Center and Aaron’s are the most well-known sources for electronics on weekly payment plans. Both carry TVs, gaming systems, computers, and sound systems at their store locations. FlexShopper has one of the largest online electronics catalogs available through a weekly payment plan, covering everything from smartphones to 75-inch TVs.
Acima and Progressive Leasing also cover electronics at participating retailers, including electronics stores and big-box retailers. The coverage depends on whether your specific retailer is a partner. For major electronics retailers, Acima is often an option at checkout.
Weekly Payment Amounts for TVs and Electronics
A 55-inch 4K smart TV (retail around $400 to $600) might have weekly payments of $16 to $25 over 52 weeks. A 65-inch premium model (retail $700 to $1,000) could run $28 to $42 per week. A laptop or computer (retail $500 to $900) might be $20 to $38 per week. Gaming systems like PlayStation or Xbox (retail $500) typically run $18 to $28 per week.
Keep in mind that electronics depreciate rapidly. A TV that costs $600 today may be worth $200 in two years. Paying $1,500 total through a lease for a TV that will be worth $200 at the end of the lease is a significant premium. The access value — having the TV now — has to outweigh this economic reality.
Electronics Depreciation: A Key Consideration
Electronics are unique among lease-to-own categories because they depreciate so fast. Unlike furniture, which holds its practical value for many years, a TV or laptop you lease today will be technologically outdated within two to three years. The latest models will be faster, larger, and cheaper by the time you finish paying for today’s model.
This is worth keeping in mind when deciding whether to lease electronics versus furniture. Leasing furniture over an extended period is more defensible because the furniture retains practical value. For electronics, the 90-day payoff option is especially attractive — if you can pay off a TV in 90 days, you get a current-generation product at near-retail cost rather than paying lease markup on something that will be outdated.
Computers and Laptops: The Practical Case
For computers and laptops, the argument for a payment plan is stronger than for TVs, particularly when the device enables income generation. A freelancer who needs a laptop to work, a student who needs a computer for coursework, or a remote worker who needs equipment but can’t buy outright — these are cases where weekly payments on a computer genuinely pay for themselves in enabling income or education.
FlexShopper has a particularly strong computer and laptop selection with competitive weekly rates. Rent-A-Center and Aaron’s also carry computers, though their selection is more limited. If a computer is essential for work or school, the weekly payment option is a legitimate tool.
How to Avoid Overpaying on Electronics Payment Plans
Compare the total lease cost to the current retail price before committing. If the total lease cost is more than double the retail price, that’s a significant premium — and for rapidly depreciating electronics, it may not be worth it. Use the 90-day same-as-cash option whenever possible to dramatically reduce total cost.
Also consider whether a slightly older or refurbished model at a lower price point would meet your needs — a lease on a $300 refurbished TV at FlexShopper costs far less than a lease on a $700 new model, and the viewing experience is often comparable. Prioritizing cost efficiency on electronics leases protects your budget long-term.
Start Your Easy Payment Plan Today — Approved in Minutes
Whether you need furniture today or want to plan your purchase, EasyPayQuick.com connects you with payment plans that fit your budget. No credit required, weekly or monthly payment options, and fast same-day approval available. Apply in minutes and get the home you deserve without the wait.
Frequently Asked Questions
Can I get a TV or computer with weekly payments and no credit check?
Yes. Rent-A-Center, Aaron’s, FlexShopper, and Acima all offer weekly payment plans for electronics without a credit check.
How much are typical weekly payments for a 55-inch TV?
Approximately $16 to $25/week over 52 weeks, depending on the retail price and program. Total cost over the lease is typically 50% to 100% more than retail.
Is it a good idea to lease electronics on a weekly payment plan?
It depends. Electronics depreciate fast, so the total lease cost premium is harder to justify than for furniture. Use the 90-day same-as-cash option if possible to minimize total cost.
Does FlexShopper have a good electronics selection?
Yes. FlexShopper’s online catalog includes a broad range of TVs, laptops, gaming systems, and tablets with competitive weekly rates.
Can I return electronics during the lease if I no longer need them?
With rent-to-own programs, you can typically return items at any time and stop payments. You lose what you’ve paid but have no further financial obligation.
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.