Three ways to apply

Get it today.
Pay over time.

Compare three lease-to-own options built for different banking situations, purchase sizes, and products. Find your best match and apply online in minutes.

Compare Leasing Options Call (863) 397-1062

No perfect credit required. Applying does not guarantee approval, and terms vary by applicant.

No perfect credit neededProviders consider more than a credit score

Fast decisionsMost applications take only minutes

Payday-based paymentsSchedules may align with when you get paid

Local pickup and supportFinish your purchase at Xtreme Wireless

Pick your best fit

Three Options. Three Different Advantages.

Choose based on your bank, what you are buying, and the approval amount you need.

Best for broad purchases

Acima Leasing

A flexible option for customers needing stronger purchasing power across a wide range of eligible products and services.

Approvals up to $4,000Approval amount and eligibility vary by applicant.

Why choose Acima

Great for phones, computers, gaming systems, repairs, and more
Fast application and decision
Early-purchase discounts may reduce your total cost
Standard agreements offer up to 12 months to ownership

Best results usually require an established traditional checking account. Chime and similar accounts may not qualify.

Apply with Acima

Strong larger-ticket option

Progressive Leasing

A strong choice for customers purchasing phones, computers, and other eligible electronics with an established bank history.

Strong approval potentialEspecially for larger eligible purchases.

Why choose Progressive

Good fit for phones, computers, and eligible electronics
Fast application and decision
Early-buyout options can reduce the total lease cost
Standard agreements offer up to 12 months to ownership

Works best with an established traditional checking account. Chime and similar accounts may not qualify.

Apply with Progressive

Best for online banks

PayVantage

A mobile-focused option based primarily on employment and direct-deposit history instead of perfect credit.

Online-bank friendlyAccepts Chime, Cash App, and most online banks.

Why choose PayVantage

High approval likelihood with at least two qualifying job direct deposits
Excellent for customers with limited or damaged credit
Payments are scheduled around your payday
90-day same-as-cash purchase option

Best for eligible phones, cellular tablets, and smaller purchases. Employment and deposits must be verified.

Apply with PayVantage

Side-by-side

Compare at a Glance

Still unsure? This quick comparison points you in the right direction.

What matters most?	Acima	Progressive	PayVantage
Best overall use	Broad purchases and repairs	Larger eligible electronics	Phones and smaller purchases
Traditional checking account	Best fit	Best fit	Accepted
Chime, Cash App, online banks	May not qualify	May not qualify	Best fit
Direct-deposit requirement	Income and banking reviewed	Income and banking reviewed	Two qualifying job deposits
Published Xtreme limit	Up to $4,000	Varies by applicant	Typically smaller
Early-purchase savings	Available	Available	90-day same as cash

Swipe left or right to compare all options.

Simple process

From Application to Pickup

You can start from your phone and finish your purchase with our team.

Choose a provider

Use the comparison above to find the best match for your bank and purchase.

Apply online

Use the direct application button and enter accurate income and banking information.

Get your decision

If approved, review your available spending amount and lease terms.

Shop at Xtreme

Bring your approval to our Lakeland store and select qualifying merchandise or services.

Before you apply

Common Questions

We can help you understand which provider fits your situation, but each provider makes its own approval decision.

Ask Xtreme Wireless

Is this financing or a loan?

No. These are lease-to-own programs. The provider purchases eligible merchandise and leases it to you until you complete the agreement or use an early-purchase option.

Do I need good credit?

Perfect or established credit is not required, but approval is not guaranteed. Providers may review income, identity, banking history, direct deposits, and consumer-report information.

Which option works with Chime or Cash App?

PayVantage is generally the best match because it accepts Chime, Cash App, and most online banks when qualifying job direct deposits can be verified.

Will I pay more than the cash price?

Lease-to-own generally costs more than paying cash. Early-purchase options can reduce the total cost. Review the cash price, early-purchase amount, recurring payments, and full cost to own before signing.

Can Xtreme Wireless guarantee my approval?

No. Xtreme Wireless cannot guarantee approval or change a provider's decision. Approval amount and terms are determined by the leasing provider.

Approved? Come Shop at Xtreme Wireless.

Bring your approval information and a valid photo ID. Our team will help you select qualifying merchandise or services.

4810 US Hwy 98 N, Lakeland, FL 33809 (863) 397-1062 Mon–Fri 10–7, Sat 10–6

Get Directions

Important: Lease-to-own costs more than the retailer's cash price. No perfect credit required does not mean guaranteed approval. Product eligibility, approval amounts, initial payments, payment schedules, early-purchase amounts, and total costs vary by provider and applicant. Review and accept your agreement directly with the provider before completing a transaction.

Get it today.Pay over time.