*Lease-to-Own Disclosure – Texas Tires

This offer is a lease-to-own transaction. You do not own the product at the time of lease signing. Ownership is obtained only after you complete all lease requirements or choose an approved buyout or early purchase option described in your lease agreement.

Approval may be available without a traditional credit score, though leasing providers may review credit or other consumer information to confirm identity and eligibility. This transaction is a lease, not a loan or credit sale. Lease-to-own agreements may also be referred to as lease-to-own, rent-to-own, lease-purchase, or rental-purchase agreements.

Under a lease-to-own program, you select your product(s) and a third-party leasing provider, such as American First Finance (AFF). The leasing provider purchases the product(s) from the merchant and allows you to take them home at lease signing. The leasing provider retains ownership of the product(s) until all ownership conditions are met. Lease payments include rental charges and may also include additional fees such as late fees, non-sufficient funds fees, delivery charges, or optional protection or waiver fees. Because of these charges, the total lease cost is greater than the retailer’s cash price.

Some leasing providers offer early buyout or early purchase options, which may reduce the total cost of acquiring ownership if exercised within the provider’s specified timeframe. Additional or larger payments may be required to complete an early buyout before the option expires.

Statements such as “No Credit Needed” do not mean that no information is reviewed. Not all applicants are approved. Ownership is not obtained unless all lease payments are made or the lease is prepaid in accordance with the agreement. Terms, availability, and qualifications may vary by state and are subject to change.

Certain lease-to-own services may be provided by Snap RTO LLC. Lease-to-own programs may not be available in all states, including Minnesota, New Jersey, and Wisconsin. While no prior credit history may be required, Snap may obtain information from consumer reporting agencies in connection with an application, which may impact your consumer report. Standard lease agreements consist of renewable lease terms. To acquire ownership early, customers must make required payments on time and may need to schedule additional payments through Snap’s customer portal or by contacting customer support.

Texas Tires is not a lender and does not make approval or credit decisions. All approvals, terms, fees, and ownership rights are determined solely by the leasing provider.
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