Flexible Payment Options
Get the Parts You Need. Pay Over Time.
We've partnered with three trusted lease-to-own providers so you can upgrade your truck today — no perfect credit required.
How Lease-to-Own Works
Get approved in minutes and drive away with the parts you need
1
Choose Your Parts
Browse our inventory of OEM take-off parts, aftermarket accessories, wheels, and tires.
2
Apply for Approval
Pick any of our three financing partners below. Applications take just a few minutes with an instant decision.
3
Contact Us to Checkout
Once approved, reach out to us and we'll help you complete your order. It's that simple.
Choose Your Financing Partner
All three options require no traditional credit — apply with confidence
Acima Leasing
Shop Without Perfect Credit
- ✓ Lease-to-own — no credit needed
- ✓ Early buyout options available
- ✓ Flexible payment schedules
- ✓ Seamless checkout integration on our website
- ✓ Quick online application with instant decision
- ✓ 90-day same-as-cash option
Progressive Leasing
Lease-to-Own Made Easy
- ✓ Lease-to-own — no credit needed
- ✓ 12-month lease agreement
- ✓ Early purchase options to save on cost
- ✓ 90-day early buyout window
- ✓ No hidden fees — transparent pricing
- ✓ Approval good for 90 days
SNAP Finance
Everyone Deserves Financing
- ✓ Lease-to-own — all credit types welcome
- ✓ 100-day same-as-cash option
- ✓ 12 to 18-month payment terms
- ✓ Up to $5,000 in spending power
- ✓ Quick approval — usually within seconds
- ✓ No application fee
ⓘ After You're Approved
Once you receive your approval from Progressive Leasing or SNAP Finance, please contact us so we can help you complete your purchase. We'll walk you through the checkout process and make sure everything goes smoothly.
Acima Leasing offers a seamless checkout experience directly on our website — once approved, you can complete your purchase right here without needing to call.
Frequently Asked Questions
What is lease-to-own financing?
Lease-to-own is a flexible way to get the truck parts you need now and pay for them over time. You make regular payments over a set period (typically 12-18 months) and once all payments are made, you own the product outright. Many plans also offer early buyout options so you can save money by paying it off sooner.
Do I need good credit to get approved?
No! All three of our financing partners — Acima, Progressive Leasing, and SNAP Finance — work with all credit types. Traditional credit scores are not the primary factor in the approval decision. Most applications just require a valid ID, a checking account or debit card, and a source of income.
How long does the approval process take?
Most applications are processed within minutes and you'll receive an instant decision. Once approved, your approval is typically valid for up to 90 days, giving you time to decide on exactly what parts you want.
What do I need to apply?
Generally, you'll need a valid government-issued ID, an active checking account or debit card, proof of income (such as a recent pay stub or bank statement), and a Social Security Number or ITIN. Requirements may vary slightly between providers.
Can I pay off my lease early?
Yes! All three of our financing partners offer early buyout options. Acima offers a 90-day same-as-cash option, SNAP Finance offers a 100-day same-as-cash option, and Progressive Leasing allows early purchase at any time during your 12-month lease. Paying early can save you significantly on total cost.
What happens after I'm approved?
If you applied through Acima, you can complete your purchase directly on our website — the checkout process is seamless. If you applied through Progressive Leasing or SNAP Finance, simply contact us after approval and we'll help you complete your order. We're here to make the process as easy as possible.
Is there a minimum or maximum purchase amount?
Minimum and maximum amounts vary by provider and your individual approval. SNAP Finance offers up to $5,000 in spending power. Contact us if you have questions about financing a specific order — we'll help you find the best option for your budget.
Do you offer any other payment options?
Yes! In addition to our three lease-to-own partners, we also accept all major credit and debit cards, and we're working on adding Afterpay for buy-now-pay-later on smaller purchases. We also offer free local pickup to save on shipping costs.
Ready to Upgrade Your Truck?
Browse our inventory of OEM take-off parts and accessories, then apply for financing in minutes.
Shop All Parts
Questions? Reach out to us at info@texastruckparts.shop
