For your account or payments, contact the lender or lease provider named in your agreement.
Key takeaways
- A pre-qualified amount is subject to the lender's final approval and is not a guarantee of approval.
- No Credit Needed goes straight to No Credit Needed providers, whose full applications may include a check with the credit bureaus or alternative credit sources.
- LendPro is not a lender, so questions about your account or payments go to the lender or lease provider named in your agreement.
- LendPro's ChatGPT app is preparing for launch, and today you apply on a participating store's secure LendPro application.
How does applying affect my credit?
Does checking whether I pre-qualify affect my credit?
Where the provider supports pre-qualification, it uses a soft pull and won't affect your credit score. If you choose an offer and complete that lender's full application, the lender may run a hard inquiry. Some providers do not offer pre-qualification. See soft pull.
What is the difference between See If You Pre-Qualify and No Credit Needed?
See If You Pre-Qualify reaches the lenders the store works with and can show pre-qualified amounts, subject to each lender's final approval. No Credit Needed skips the traditional lenders and goes straight to No Credit Needed providers, where several offers may show side by side.
What is No Credit Needed?
A path for shoppers with little or no credit history. No Credit Needed does not mean no review: the provider's full application may include a check with the credit bureaus and/or alternative credit sources. Many offers on this path are lease-to-own. Lease-to-own is a rental-purchase agreement, not a loan. Total cost is higher than the cash price.
What if I have no credit?
Choose No Credit Needed, or start with See If You Pre-Qualify and try No Credit Needed if you do not get an offer that works. Each provider sets its own requirements, and an offer is not guaranteed.
Is a pre-qualified amount an approval?
No. A pre-qualified amount is subject to the lender's final approval. The lender decides after you complete its full application, which may ask for employment details and a debit card and/or bank account. See how it works.
What options and offers might I get?
Is LendPro a lender?
No. LendPro is not a lender, not a financial institution and not a buy now, pay later company. It is the application the store uses to send your information to its providers. The provider you choose makes the decision, sets the terms and services your account. You repay the lender, or make lease payments to the lease-to-own provider.
What kinds of financing can I get?
It depends on the store and your credit. Options can include installment loans and credit programs from traditional lenders, and lease-to-own and other programs from No Credit Needed providers. Lease-to-own is a rental-purchase agreement, not a loan. Total cost is higher than the cash price. See lease-to-own.
I was declined. What now?
If one lender declines, offers from other lenders the store works with may still show, depending on how the store is set up. You can also try No Credit Needed. For the reasons behind a decision, contact the lender that made it. Other stores may work with different providers.
Can I apply for a higher amount?
Yes. Start a new application. Any new offer is subject to that provider's approval.
How do I find a store or my application?
How do I find a store that offers LendPro financing?
Search participating stores by ZIP code with Find a store, or look for See If You Pre-Qualify or No Credit Needed on a participating store's website, scan a QR code or use a kiosk in the store, or ask an associate for a text link.
Can I apply from ChatGPT?
LendPro's ChatGPT app is preparing for launch. You apply on a participating store's secure LendPro application and always enter your details on the store's application page, never in a chat.
How do I find an application I already started?
Choose Lookup Application on the same store's financing page, kiosk or link, and enter the details it asks for. In the store, an associate can also find it. See check your application.
Who do I contact about my account, payments or a statement?
The lender or lease-to-own provider named in your agreement. LendPro is not a lender and cannot see or change your account, payments, due dates or payoff. For your order or delivery, contact the store.
Who is my lender?
Your lender or lease provider is the provider whose offer you accepted and whose agreement you signed. Its name is on your agreement and in the confirmation email or text you received. If you can't find it, ask the store where you bought.
Don't see your store? Refer it by emailing the store name, city and what it sells to info@mylendpro.com.
Search by ZIP code and what you are shopping for. Pre-qualifying won't affect your credit score where the provider supports it.
What about texts, privacy and help?
Why did I get a text from LendPro?
LendPro runs a financing text messaging program that sends information about financing applications made at participating stores, with the shopper's consent; shoppers can opt out at any time (reply STOP to texts). Messages run about two per month, and message and data rates may apply. To opt out, reply STOP to the number that sent the message; LendPro confirms by text and sends no further messages to that number. See the SMS terms.
How does LendPro handle my information?
Your application data is encrypted in transit. Application data is shared with the lenders reviewing the application and with service providers that process it under LendPro's privacy notice. LendPro holds a SOC 2 report. The Privacy Notice explains how LendPro handles personal information and your privacy rights.
Still have a question? Go to shopper help or back to LendPro for shoppers.
Pre-qualified amounts are subject to the lender's final approval and are not a guarantee of approval. Not every provider offers pre-qualification. Lenders and lease providers make all decisions and set all terms; availability varies by store, state and purchase. Lease-to-own is a rental-purchase agreement, not a loan. Total cost is higher than the cash price.
Frequently asked questions
Does checking whether I pre-qualify affect my credit?
Where the provider supports pre-qualification, it uses a soft pull and won't affect your credit score. A lender may run a hard inquiry if you choose an offer and complete its full application.
Is LendPro a lender?
No. LendPro is not a lender, not a financial institution and not a buy now, pay later company. The provider you choose makes the decision, sets the terms and services your account.
What is No Credit Needed?
A path that goes straight to No Credit Needed providers. Their full applications may include a check with the credit bureaus and/or alternative credit sources. Many offers are lease-to-own, a rental-purchase agreement, not a loan, with a total cost higher than the cash price.
What if I have no credit?
Choose No Credit Needed. Each provider sets its own requirements, and an offer is not guaranteed.
I was declined. What now?
Offers from other lenders the store works with may still show, depending on how the store is set up. You can also try No Credit Needed, and ask the lender that declined for its reasons.
Can I apply for a higher amount?
Yes. Start a new application. Any new offer is subject to that provider's approval.
Why did I get a text from LendPro?
LendPro sends text messages about financing applications made at participating stores. Reply STOP to the number that sent the message to opt out.
Can I apply from ChatGPT?
LendPro's ChatGPT app is preparing for launch. Today you apply on a participating store's secure LendPro application, where you enter your details.
Who is my lender?
The provider whose offer you accepted. Its name is on your agreement and in the confirmation email or text you received.
Who do I contact about my payments?
The lender or lease provider named in your agreement. LendPro cannot see or change your account.