The Lease-to-Own Program from one of our partners can be a great way to get what you want right now. Several of our partner companies offer a simple lease-to-own program. If you complete all standard recurring auto-lease payments or exercise an early purchase option, you will own the product(s).

Standard agreement offers 12 months to ownership. 90-100 day and other early purchase options cost more than the cash price. To purchase early or to cancel lease you must call the finance partner your lease is through. Black Patch Performance cannot activate early purchase options.

After you are approved:

1. Pick out the items you want to buy from our website or storefront

2. Reach out to us to have us set you your invoice OR check out through our website.

3. Verify address information is correct on agreement

4. Sign agreement and submit down payment

5. Let us know you completed your agreement

6. Receive your items

Your approval is normally valid for 90 days. If you have not signed an agreement within 90 days, your approval expires, and you can reapply. With some partners, if you do not sign your lease-to-own agreement that day, the order is cancelled. However, you can still get a new approval by simply reapplying.

They look at many different data points in our decisioning process. This may include credit information, income, and banking history.

If your approval amount does not cover the price of the item or items you want, then there are 2 options.

1. Pay the difference outright

2. Stack approvals

Information on stacking approvals:

For your convenience we offer partnerships with several companies in order to make sure you can get approved with one of our partners. As you go through the process of applying for the different companies we are partnered with you may run across something similar to this example.

Finance company A approval for $1000 and Finance company B approval for $1000. Let's say you want a set of wheels that are $1800 for the set. You can utilize both approvals in order to get you those wheels. This essentially means you have $2000 in approvals to use instead of just using one or the other of the two $1000 approvals. The only thing extra is that each finance company requires a roughly $50 down payment for the activation of the finance approval. You will have to pay a down payment for each approval we "stack" in this configuration. To do this for you we just need you to get approved for enough total to cover the items you want and then reach out to us

Keep in mind that due to the nature of the partner companies, this can only work on multiple item orders, essentially we could set up the financing for 2 wheels from company A and 2 wheels from company B. However, if you wanted one expensive single item like a bed cover then this would not be an options because "splitting" an item like that would not be viable.

Approval is not guaranteed for every application. Some applications may be approved at certain stores but not others or may already have a loan(s) through the partner company but not be approved for another right now.

Our customer care team can not change the outcome of any application, provide specific details as to why you were declined, or suggest changes in order to get approved. If your application can’t be approved, they will send you an email explaining more about their decision.

EVEN IF YOU WERE DECLINED BY ONE PARTNER YOU CAN STILL BE APPROVED BY ANOTHER

Improving Your Eligibility

If your application was declined you may still be eligible to use Affirm for a different purchase. Each loan application is considered separately, and checking your eligibility doesn’t harm your credit score, so we hope you’ll give us another chance in the future.

This depends on the individual partner company. You will have to do your own research individually to know for sure

Our partner companies understand that unexpected situations come up that may prevent you from continue to make payments on your merchandise. If you find yourself unable to continue with your payment agreement, please feel free to call Customer Service department of the partner company your agreement is through to discuss your options. You have the right to return the items to the partner company your agreement is through (in most cases)

Our partner companies are happy to work with you to find a payment schedule that works. If you need to discuss potential changes to your payments, please call the partner company your agreement is through at least three business days before your next scheduled payment.

Most of our "No Credit Needed" & Near Prime partners will only make soft inquiries to the big three Credit Bureaus (Transunion, Experian & Equifax). Other secondary bureaus, however, do not offer a soft inquiry option. For more credit based "Prime" financing offers, approvals my require a credit pull.

Not all applicants are approved.

An inquiry occurs any time an individual or business requests a copy of a person’s consumer bureau report – also known as a credit report. The bureaus keep a record of all inquiries made. Creditors and scoring models could consider inquiries a negative factor in a consumer’s report. On a soft inquiry, the inquiry is only visible to the consumer if requesting a copy of their own consumer report, whereas a hard inquiry can be seen by other credit reporting agencies and may impact FICO or other credit scores.