Okinus’ lease-purchase program allows you to obtain the merchandise you want when you need it without having to pay the cash price up front. Okinus purchases the merchandise from the retailer for you and you lease it from Okinus over the term of the lease agreement. Just make your regularly scheduled payments and you will own the merchandise at the end of the lease term. You may also choose to exercise your early purchase options at any time.

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Your specific early purchase options are listed in your lease agreement. These options vary by state and may vary by the retailer within the state. Your early purchase options are based on when you want to make your purchase. They include:

1. Within the first 90 days after lease origination date: Okinus offers our retailers the option of participating in our 90 Day Early Payment Option Program or our Discounted Early Payoff Program. If the retailer you are shopping with has opted to participate, the programs are as follows:
   • 90 Day Early Payment Option – Pay off the cash price amount of the merchandise within the first 90 days in any manner that is convenient; for example–weekly payments, 3 payments or a lump sum.
   • 90 Day Discounted Early Payoff – Pay off the cash price amount of the merchandise plus 5%, 10%, or 15% within the first 30, 60, or 90, respectively.
2. After the first 90 days from your lease origination date; you may exercise your right to purchase the merchandise by paying a percentage of the remaining payments owed (as stated in your lease agreement) plus any outstanding fees

Since your agreement with Okinus is a lease, your payment is a rental payment. There is no amount of interest included with your payment.

Customers must have an active checking account that has been opened for at least 90 days in order to qualify for our lease-purchase program.