Financing & Lease-to-Own Options

At Blue’s Appliance, we offer multiple ways to help customers purchase the appliances they need now and pay over time.

Whether you have established credit, limited credit, or are rebuilding credit, we offer flexible payment options for both local and nationwide customers.

Our financing page is designed to help customers quickly understand the difference between traditional financing and lease-to-own options, so they can choose the payment solution that fits their situation best.

If you are shopping for a refrigerator, washer, dryer, range, dishwasher, or other major appliance, our payment options can help make your purchase more manageable.

Financing vs. Lease-to-Own: What’s the Difference?

Blue’s Appliance offers both traditional financing and lease-to-own options.

Traditional financing is generally best for customers with stronger credit profiles and may offer promotional financing or monthly payment plans through a credit-based approval process.

Lease-to-own options are often a better fit for customers with less-than-perfect credit, limited credit history, or customers who want an alternative approval path.

This allows us to serve a wider range of customers while giving each shopper a clearer path to ownership.

Synchrony Financing

Synchrony is our primary option for customers with stronger or more established credit.

This is the financing option we typically recommend for customers who are looking for a more traditional credit-based approval path.

Synchrony may be a strong fit for customers who:

• Have good credit
• Prefer traditional financing
• Want predictable monthly payments
• Are looking for a financing option instead of lease-to-own

For customers who qualify, Synchrony can be a strong option for larger appliance purchases and kitchen packages.

Best for: customers with good or established credit

Apply for Synchrony Financing

Snap Finance

Snap Finance is one of our alternative payment options for customers who may not qualify for traditional financing.

This option is commonly recommended for customers with limited credit history, challenged credit, or customers who want another approval path.

Snap can be helpful for customers who need a faster or more flexible path to getting the appliances they need.

Best for: customers with less-than-perfect credit or no credit

Apply with Snap Finance

Acima Lease-to-Own

Acima is one of our lease-to-own options for customers who want an alternative to traditional financing.

Lease-to-own can be a helpful option for customers who want to get the appliance they need now and make payments over time through an alternative approval path.

This can be a strong option for customers who may not want to rely on a traditional credit-based financing route.

Best for: customers looking for a lease-to-own option or an alternative to traditional financing

Apply with Acima

American First Finance

American First Finance is another flexible payment option available to Blue’s Appliance customers.

This option can be a good fit for customers who want another approval path beyond traditional financing and may be helpful for customers with limited or challenged credit profiles.

Because program structures can vary, American First Finance gives customers another strong payment solution to explore when shopping for appliances.

Best for: customers looking for flexible payment options beyond traditional financing

Apply with American First Finance

Which Option Should I Choose?

If you have good or established credit, we typically recommend starting with Synchrony Financing.

If you have limited credit, challenged credit, or no credit, we typically recommend exploring:

• Snap Finance
• Acima
• American First Finance

This gives customers multiple ways to apply and helps increase the likelihood of finding a payment option that works for their situation.

Appliances You Can Finance

Customers commonly use financing or lease-to-own options for:

• Refrigerators
• Washers and dryers
• Ranges and ovens
• Dishwashers
• Microwaves
• Kitchen appliance packages

You can browse our available inventory here:

Shop Open-Box Appliances

Shop New Appliances

Local Delivery, Nationwide Shipping & Protection Plans

Blue’s Appliance serves both local Sacramento-area customers and nationwide appliance buyers.

If you are shopping locally, learn more here:

Local Delivery & Installation

If you are purchasing outside our local area, learn more here:

Nationwide Shipping

For additional post-purchase protection, customers can also explore:

Allstate Protection Plans

Why Customers Use Financing or Lease-to-Own for Appliances

Major appliances are essential purchases, and unexpected breakdowns do not always happen at a convenient time.

Financing and lease-to-own options can help customers:

• Replace a broken appliance quickly
• Upgrade essential home appliances
• Spread payments out over time
• Avoid delaying a needed purchase
• Choose the payment path that best fits their credit situation

Whether you are replacing a refrigerator, upgrading your laundry room, or furnishing a rental property, flexible payment options can make the purchase process easier.

Why Customers Choose Blue’s Appliance

Customers choose Blue’s Appliance because we combine:

• Flexible payment options
• Open-box appliance savings
• Brand-new appliance availability
• Local Sacramento delivery and installation
• Nationwide shipping
• Optional protection plans

We help customers find the appliance they need and a payment option that fits their situation.