No. BorroBridge does not perform a hard credit check. We base approval on income and bank account verification. Bad credit, no credit, or even bankruptcy — you can still qualify.

You need: (1) A valid government-issued ID, (2) Proof of income — pay stub, benefits letter, or bank statement, (3) An active checking account for automatic payments, (4) A valid email address and phone number.

Most applications receive a decision within 60 seconds. Some may require manual review within 24 hours.

Yes, you need a minimum monthly income of $500. This can come from employment, benefits, Social Security, or other regular income sources.

You must be at least 18 years old and a US resident to apply.

Your payment is auto-deducted from your bank account every 7 days starting from your lease start date. You'll receive a reminder 2 days before.

Currently we offer weekly payments only. We are working on biweekly options — coming soon.

You have a 5-day grace period. After that, a $10 late fee is added. After 2 consecutive missed payments, we may need to retrieve the item. We always try to contact you first.

Yes! Login to your dashboard and make additional payments anytime. This reduces your remaining balance.

No hidden fees. Your only costs are: weekly lease payment, optional protection plan ($3.99/week), and late fee ($10) if you miss a payment.

We offer smartphones, laptops, smart TVs, gaming consoles, audio equipment, and home appliances from brands like Apple, Samsung, Sony, Dell, Microsoft, and more.

We offer both new and certified refurbished products. Refurbished items are inspected, tested, and come with a warranty. The product listing will clearly state the condition.

Delivery takes 3–5 business days after your lease is approved and activated. Expedited shipping is available in some areas.

Yes! Standard shipping is always free to any US address.

You own the item after completing all scheduled payments OR by using the Early Purchase Option to pay off the remaining balance.

At any point during your lease, you can pay a reduced lump sum to own the item outright. The buyout amount decreases the more you've paid. Check your dashboard for your current buyout price.

Yes. You can return the item at any time with no penalty. You only owe payments for the time you had the item. Contact us to arrange a return.

If you have the Protection Plan, accidental damage and theft are covered. Without a protection plan, standard manufacturer warranty applies.