The Boring Fine Details *For qualifying customers only. You will not own the leased merchandise or acquire ownership rights unless you make all scheduled payments or prepay in accordance with the lease. Lease holders in California have a minimum 92-day early purchase option. Details may vary from state to state. Consult your lease for complete terms and conditions. Taxes, fees, and other charges may apply. Koalafi offers Lease-to-Own and Lending solutions. Loans issued by The Bank of Missouri, serviced by Koalafi. †Offer applicable to loan product only. For qualifying customers only. You will not be charged interest if you pay your loan balance in full within 6 months. If you do not, interest will be charged at an Annual Percentage Rate(APR) of 29.99% beginning on the purchase date. The APR may vary and is subject to increase after consummation. See agreement for details. ^We do perform a credit check on the customer as a part of our application process. “No Credit Needed” does not imply no credit check. High approval rates are based on Koalafi products only. The Bank of Missouri does not offer Lease-To-Own solutions.