Lease-to-Own & Payment Options
Need a new fridge, mattress or flooring now but would rather pay over time? Stock Depot offers lease-to-own and payment options through Acima and Snap, so you can take home what you need and make payments.
How it works
- Pick what you need. Shop appliances, mattresses, flooring, cabinets and tools at our Columbia store.
- Apply with Acima or Snap. Apply in store, or start online using the links below. You'll get a decision from the provider.
- Review your agreement. If you're approved, the provider will give you an agreement showing your payment schedule, total cost and ownership options before you sign. Read it carefully, and ask us if you have questions.
- Take it home. Pick up your purchase, or schedule delivery within 100 miles of Columbia.
Apply now
Approval, terms and costs are set by Acima and Snap, not Stock Depot.
Lease-to-Own FAQ
Do I need good credit to apply?
Not necessarily. Acima and Snap look at more than just a credit score, so shoppers with limited or less-than-perfect credit can still apply. Approval isn't guaranteed and depends on each provider's requirements.
Is lease-to-own the same as a loan?
No. With lease-to-own, the provider buys the item and leases it to you. You own it after you make all your payments, or sooner if you use an early purchase option. Owning through a lease costs more than paying the cash price. Depending on the store, Snap may also offer other payment options.
What can I get with lease-to-own?
You can use Acima or Snap across our store, including appliances, mattresses, flooring, cabinets and tools. Ask our team whether a specific item qualifies.
Can I still get delivery?
Yes. Purchases made through Acima or Snap can be picked up in store or delivered within 100 miles of Columbia.
Where can I see my payment amount and total cost?
Your Acima or Snap agreement shows your payment schedule, total cost and ownership options. Review it before you sign.
Important information
Acima offers lease-to-own transactions. This is not a loan, credit, or financing. Acquiring ownership by leasing costs more than the retailer's cash price. Acima obtains information from consumer reporting agencies during a lease application. Depending on the store, Snap may offer lease-to-own, installment loan or retail installment contract options. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with submitted applications, and your score with those agencies may be affected. Not all applicants are approved. Payment amounts, total cost and ownership terms are set by Acima or Snap and shown in your agreement.
Questions? Visit us at 1412 Trotwood Ave Ste 20, Columbia, TN 38401, or call (931) 223-5354.