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Lease It | Take it home today no credit required | apply now | Over 1 million customers have leased with us people love it!
Lease a washer for as low as $20 a week - based on $449 washers Lease it for $20 down, plus 19 weekly payments | shop all washers
Low and budget friendly payments that wont break the bank | shop all lease eligible departments
Lease a pool for as low as $27 a week | Based on a $599 pool Lease it for $27 down, plus 19 weekly payments | shop all pools
Lease a television for as low as $25 a week | Based on a $550 television | Lease it for $25 down, plus 19 weekly payments | shop all televisions
Lease a patio set for as low as $18 a week | Based on a $398 patio set | Lease it for $19 down, plus 19 weekly payments | shop all patio sets
Know the price of your item? Estimate your payments
Why Lease at Kmart?
No Credit Required | Get it today instant decisions no references required no application fees we love to say yes
Top Brands | Lease a wide selection of brand new items from Craftsman, Kenmore, Samsung, LG and more.
Flexible Payments | You choose - weekly (only only), twice a month, or monthly. Or buy it early after 30, 60, 90 days for slightly more than the cash price. (not available in NJ, VT, WI & WV.)
We Beat the Competition | New products at competitive prices | Include devliery, installation and protection agreements

How it Works
After the 5-month minimum term is met, you can... continue to lease, buty it out (not available in NJ, VT, WI & WV) Return your leased items to WhyNotLeaseIt (normal wear and tear accepted)
Apply | shop, then apply online or instore
Pay | make your first  payment
Enjoy | take it home we'll deliver it

Must be at least 18 years old
Minimum monthly income
Valid Social Security or Taxpayer Identification Number
Make the first payment and set up ongoing payments
Valid email address
Valid checking account or credit/debit card

What do I need to apply?

Early Purchase Options
Take advantage of our 30 60, or 90 day options to own it for slightly more than the cash price. (not available in NJ, VT, WI and WV.) Example Own a %500 item for as little as $525, with up to 30 days to pay, plus applicable tax
1-30 days plus 5% over cash price ONLY $525
31-60 days plus 8% over cash price ONLY $540
61-90 days plus 10% over cash price ONLY $550

*This is a lease transaction. Qualifying merchandise of at least $199 is required to enter into a lease at Kmart. Excludes non-durable goods, footwear and apparel items. Must be at least 18 years old. Income requirements apply. Minimum 5-month lease agreement. Lease requires consumer to make first payment at lease signing, plus 19 weekly (offered online only), 9 bi-weekly, or 4 monthly lease payments. At the end of the minimum term, leasing customer can: (1) continue to lease by making payments in the same amount and on the same payment schedule; (2) exercise a purchase option per the terms of the lease agreement (not available in NJ, VT, WI & WV); or (3) return leased items to WhyNotLeaseIt®. No security deposit required. TEMPOE, LLC dba WhyNotLeaseIt® is an independent service provider [of the LEASE IT program] and not an affiliate or licensee of Sears®, Kmart®, Shop Your Way® or any other Sears Holdings Corporation or its affiliates. **Pay 5%, 8% or 10% over cash price minus any additional money down, if applicable.

What is Leasing at Kmart?


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Fine Jewelry

Lawn and Garden
Sporting Goods
Outdoor Living


Who is Kmart's leasing partner?

Leasing transactions at Kmart go through the company WhyNotLeaseIt®. They’re an independent service provider. Transactions with WhyNotLeaseIt® are secure, confidential and compliant with all federal consumer leasing laws.

What is the minimum leasing term?

The standard term is 5 months. There’s also the option to buy your items early—as soon as 30 days after the beginning of the lease.

What is the Early Purchase option?

Early Purchase gives you the option to buy your leased items without having to wait until the end of the 5-month lease term. You can buy your leased items as soon as 30, 60 or 90 days from the beginning of the lease. Doing so will also save you money in the long run (compared to buying the item after 5 months. See the table above or the leasing calculator).

What if I don’t want to buy it early?

If you decide not to buy your leased items within the 90-day Early Purchase option, you’ll simply continue to lease as usual for the full 5-month leasing term. Then, you’ll have the option to buy, continue to lease or return the items to WhyNotLeaseIt®.

Who should I contact with questions about my lease?

You can contact WhyNotLeaseIt® with all questions about your lease. Their customer service department is available 7 days a week. They can be reached by phone at 1-855-965-4669 and by email at You can also access information about your lease online at the customer service center.

How do I make my payment at Kmart?

No; payments are made to WhyNotLeaseIt®. Your payments will be auto-deducted from the account that you listed as preferred on your application. Payments will process on the dates listed on your lease payment schedule.

How do I buy out my lease?

You can purchase your leased items from WhyNotLeaseIt®. Once the purchase is complete, WhyNotLeaseIt® will send you proof of ownership.

How much does it cost to buy out my lease early?

It depends on how soon you buy it. Buying after 30 days will add 5% of the lease value to the final cost; buying at 60 days adds 8%; buying at 90 days adds 10%.

For example, if you buy a $1,000 item after leasing it for 90 days, you’ll pay a total of $1,100 for the item. ($1,000 plus 10%).  

How do I return an item I’m leasing?

If your 5-month term has ended and you don’t want to buy the item or lease it again, you can return the item to WhyNotLeaseIt®. They can be reached by phone at 1-855-965-4669 and by email at

Apply online and lease merchandise from Kmart.

Most people live on a tight budget, which means money isn't always available at their fingertips.  Kmart has revolutionized the “rent-to-own” idea with a new leasing program. The program allows you to lease almost everything including consumer electronics, large appliances, furniture and basic accessories. Kmart also offers members owning options that are simple, easy and affordable. With the Early Purchase Option, members have the opportunity to purchase leased items within 30, 60 or 90 days from the origination of the lease agreement; earlier than the traditional 5 month Kmart leasing program to reduce the overall cost of owning your leased items. Simply apply online, get approved, and then take your approval code into your local Kmart store to select items you're interested in leasing. A friendly Kmart associate will then help you shop your way by compiling an inventory of everything you need.

Applying online for a lease is easy, and you'll gain immediate access to a full range of merchandise upon approval. Unlike credit programs, getting approved for Kmart’s leasing program is fast and easy; you don't need to stress about your low credit score because credit isn't required for approval. To qualify, you must be at least 18 years old with a valid Social Security or Individual Taxpayer ID Number and meet the minimum monthly income. With leasing, all you need to do is make your first payment in-store, and you can take your items home with you the very same day. Get approved in seconds and enjoy conveniently low payments and a flexible payment plan.

Shop smarter by taking advantage of Kmart’s new leasing program, and get rewarded for the merchandise you lease with Shop Your Way points.