FAQs

About TEMPOE

What is TEMPOE?

TEMPOE provides a leasing program that offers:

  • No credit required leases
  • Simple lease application
  • Instant decisions
  • 5-month minimum lease term
  • Early purchase options*

Transactions are secure, confidential, and usually take place during the check-out process both online and in-store with our partner retailers.

 

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

What can I lease with TEMPOE?

Appliances, electronics, fitness equipment, furniture, jewelry, lawn and garden, mattresses, and tires are examples of items that can be included on a TEMPOE lease. Ineligible items include non-durable goods, such as clothing, footwear, and cleaning products.

Check with a partner retailer to find out what items qualify for leasing.

What are the requirements to qualify for this program?

  • A valid photo ID
  • At least 18 years old
  • An electronic payment method
  • A valid email address
  •  A valid phone number
  • A current Social Security Number (SSN) or Taxpayer ID (ITIN)

What forms of photo ID are accepted to apply for a lease?

  • Driver’s license
  • Passport
  • Green card
  • State ID card
  • Military ID
  • Tribal ID
  • Mexican or Canadian ID if the applicant has a US address and ITIN

Lease with TEMPOE

How do I apply for a lease with TEMPOE?

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
  • Text 2 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.

How much do I have to pay today?

An initial online or in-store payment is required to take possession of the merchandise. The initial payment amount varies. Lease estimators provide an estimate on your initial payment and ongoing lease payments. Look on TEMPOE.com or ask a store associate for the TEMPOE Lease Estimator.

Can I make ongoing payments at the store?

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

What methods of payment do you accept?

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

I didn’t use all of my Approval amount. Can I get another lease?

Yes! You can request another lease for the remaining Approval amount. Please call Customer Service at 1-844-863-2948 for assistance.

I don't have a job. Can I still apply?

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

Do you require a minimum lease term?

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*;
  • Continue leasing; or
  • Return leased items to TEMPOE
* Purchase options are not available in New Jersey, Vermont, West Virginia, and Wisconsin.

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

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

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

Can I return leased merchandise?

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.

What is the interest rate?

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.

Your Account

Can I manage my lease online?

Yes! Use the TEMPOE Customer Track web application to manage your account online. This application lets you:

  • Update contact information
  • Change your payment method
  • View your lease documents
  • Make a past due payment
  • View your payment schedule and history
  • Change your password and security questions
  • Engage in a live chat session with a Customer Service representative

How do I update my payment method?

You can change your payment method at any time by using the TEMPOE Customer Track web application to self-manage your account online.

With Customer TRACK, you can also:

  • Update your contact information
  • View your lease documents
  • Make a past due payment
  • View your payment schedule and history
  • Change your password and security questions

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

The TEMPOE application requires that you provide the street address where the leased merchandise will be located.