You can complete an application at one of the following locations:

• Online at TEMPOE.com
• Online at a partner retailer website
• In-store at a partner retailer store location (see the TEMPOE store locator)
• Text-to-apply if available with the retailer; ask the store associate for the text-to-apply number and Keyword

Most applications can be approved within seconds. Some applications may take more time for verification.

An initial online or in-store payment is required to take possession of the merchandise. The initial payment amount varies depending on retailer and lease amount. Lease estimators are available at TEMPOE.com and at partner retailer store locations to provide an estimate on your initial payment and ongoing lease payments.

You make your initial payment in the store or online at the retailer website. You cannot make ongoing lease payments at the store. Ongoing lease payments to TEMPOE are automatically deducted from your bank account, credit card, or debit card each pay period.

Ongoing lease payments can be made with a checking account, savings account, debit card, or credit card.

Yes! You can request another lease for the remaining approval amount. Please call customer service at 1-844-863-2948 for assistance.

Yes! Other forms of income such as social security, retirement, pension, and self-employment are acceptable. If you think that your income may not qualify, please call customer service at 1-844-863-2948 for assistance.

The Consumer Lease Agreement requires that you fulfill the 5-month minimum term to meet your obligation or exercise an early purchase option*. Once the 5-month minimum term is completed, you can:

• Purchase the leased items*; or
• Continue leasing; or
• Return leased items to TEMPOE

* Purchase options are not available in New Jersey, Vermont, West Virginia, and Wisconsin.

The minimum lease term is approximately 5 months. The lease expires at 11 months. Then you have 45 days to:

• Purchase the leased items*; or
• Return leased items to TEMPOE

After this time, you can no longer continue to lease or make periodic payments. Failure to purchase or return the leased items will result in the account being placed into collections

* Purchase options are not available in New Jersey, Vermont, West Virginia, and Wisconsin.

Purchase options are available in 46 states, Guam, Puerto Rico, and the U.S. Virgin Islands.

Early purchase options are available at 30 days for 5% over cash price, 60 days for 8% over cash price, and 90 days for 10% over cash price.

After the 5-month minimum term is met, you can purchase the items as outlined in your Consumer Lease Agreement.

* Purchase options are not available in New Jersey, Vermont, West Virginia, and Wisconsin.

Yes. Merchandise can be returned in accordance with the store’s return policy. If that window has passed, leased merchandise can be returned to TEMPOE once the 5-month minimum term has been met. Details are provided in your Consumer Lease Agreement.

You can initiate the return process by calling customer service at 1-844-863-2948.

Interest rates do not apply to leases. The Consumer Lease Agreement provides the terms of the lease. Use the lease estimator available on TEMPOE.com or at a partner retailer to review lease and payment amounts.