What are the requirements to qualify for this program?

You must be 18 years or older, have a steady income of at least $1,000 per month, maintain an open/active checking or savings account, credit card, debit card or an eligible form of pre-paid debit card.

Do you accept ITIN?

Yes, an ITIN is an Individual Tax Identification Number issued by the federal government for non-citizens working and paying taxes in the US. An ITIN is used instead of a social security number.

Can I enter a P.O. Box as my address?

No. We must have a valid street address where the merchandise will be located. You may provide a P.O. Box address by emailing info@tempoe.com.

If I don't have a job can I still apply?

Yes, we accept different forms of income such as Social Security, Retirement, Pension and Self Employment. If you think your income may not qualify please email us at info@tempoe.com or call us at 844-863-2948

How does the application process work?

You can complete and submit an online application here or at one of our partner stores. While the majority of applications are approved in a matter of minutes, some applications require special processing and may take more time for additional verification.

What if I have bad credit or have filed for bankruptcy?

Neither poor credit nor former bankruptcy will affect your approval. All previous bankruptcies must have been discharged/dismissed to receive an approval. DO NOT APPLY IF YOU ARE STILL IN BANKRUPTCY PROCEEDINGS. It is criminal fraud to lie about your bankruptcy status.

Do you require a minimum lease term?

Yes. Once the approximately 5 month minimum term is completed, you can continue leasing your item(s), return them to TEMPOE, or purchase them in qualifying states. [Purchase option not available in NJ, VT, WI & WV].

What is an ACH authorization?

An ACH Authorization is your verbal or written instruction that allows us to electronically withdraw a specified amount of money from your bank account on an agreed upon day from each payment period.

How much do I have to pay today?

You must make your first lease payment in order to accept delivery of your selections.

Do I make payments at the store?

No, payments are auto deducted from your bank account, credit card or debit card each period on the dates listed in your payment schedule.

Can I buy the merchandise if I decide to keep it?

Yes! After the 5 period minimum term you may buy your merchandise for a portion of the remaining depreciated value of the item(s).

What is the interest rate ?

A lease is not a loan – there is no interest rate. Please carefully examine your payment schedule for amounts payable.

Can I return the merchandise to TEMPOE before the 5-month minimum term is met?

Merchandise can be returned in accordance with the store’s return policy. If that option has passed, leased items can also 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. One of our representatives will assist with the return or facilitate a pick-up.