PayTomorrow / Uown

Generally an active bank account open at least 90 days, monthly income of $1,000 or more, and a current balance of at least $55. It's based on things like banking history and income, not your credit score. All credit types are welcome!

It automatically matches you with the option that fits your profile based on your information. Near-prime credit usually lands with PayTomorrow, and no credit or low credit with Uown.

Yes, and it's the easier way to do it. Get approved first so you know your budget, then add your items to the cart and check out using your approval. You don't need anything in your cart to apply.

Applying uses a soft credit inquiry, which does not affect your credit score.

Your exact payment depends on the approval terms, total, and schedule you pick. They offer a longer term option and a shorter term option for nearly the same as cash. You'll see the exact scheduled payment at the agreement step before you finalize anything and complete the order.

All three are available, but sometimes not all of them show up front. A lot of people call after their first scheduled payment and switch to monthly from there. Uown in particular usually defaults to weekly or bi-weekly — call them after your first payment to change it.

Financing through PayTomorrow is a loan — you own the items right away and repay over time with interest. Lease-to-own through Uown isn't a loan. The provider buys the items and leases them to you, and they're yours once you complete the payments or use an early buyout. Lease-to-own is available with little or no credit history, but total cost is higher than paying cash.

PayTomorrow is the platform both options run through, so it's the option you'll see at checkout whichever one approved you. Selecting it routes your order to the right provider automatically. You don't need to do anything different.

You're all set to shop within your approved amount. Add your items to the cart and select PayTomorrow at checkout. It will take you through the application again and as long as you put the same information, you will keep your approval and then you'll be able to complete your financing in full there.

Remove items until your cart total is at or under your approval amount, or give us a text and we'll help you build a package that fits.

Yes, and it saves you money either way. On a lease-to-own agreement, using the 90-day buyout gives you the lowest total cost. On an installment loan, paying off early cuts the remaining interest. Contact the provider you were approved with — their numbers are listed below — to get your exact payoff amount.