We care about your experience

At Zo Financial, we CARE about the experience you have with us. This is not a loan or credit transaction, so it is important to understand the lease-to-own agreement you are signing with us.

Partner with Zo Financial

Your lease agreement is owned and managed by Zo Financial, not the retailer. That means you have a partner in your success! We are here to help you grow your credit. When you make your payments on-time and in full, we report the positive pay history to the credit bureau we work with.

Take it home today, own it over time!

Zo Financial owns your items during the time that you are making your lease-renewal payments. Once all lease-renewal payments have been satisfied, we will transfer ownership to you. Sounds like a win-win to us!

Not sure what a lease-to-own agreement is?
We'll help you with that!

When you begin a lease with Zo Financial, you are entering into an agreement that offers ownership after satisfying 12 months of lease-renewal payments. You could pay a total lease-to-own cost that is more than double the retail price.

Pay off your lease early and SAVE!

The most affordable way to own your items is to use our 90-day Early Purchase Option. There are other early purchase options available that cost more than the retailer's cash price.
To exercise an early purchase option, email support@zofinancial.com or call (833) 719-1096 to speak with a Customer Care Coordinator.

No hassle lease cancellations

When life happens, we are here to help. You can cancel your lease with Zo Financial at any time without penalty. Simply return your items in working order and we will cancel your lease.
Contact our Customer Care Coordinators at (833) 719-1096 to learn more about your cancellation and return options.