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How to lease

Our mission is to serve you with lease purchase opportunities and fair pricing based on your unique lifestyle and ability to pay, while increasing your credit.


WHAT IS A LEASE?

A lease is a new way in which brides can secure the right to possess the dress of their dreams. Our lease model provides brides with more flexibility and access than traditional loans. A lease is simply an alternative financing tool for consumers to gain access to the things they want or need. We do not offer loans and our program is not a credit card.

How does a lease purchase work? Exactly like it sounds. Brides make a monthly lease payment on the dress for a set number of months. During the lease term, the bride does not own the merchandise. However, they have the freedom to purchase the dress through our Early Buyout option at any point within their lease or by making a final payment at the end of the lease equal to the fair market value of the item. The Early Buyout or purchase price at the end of the lease grants the bride ownership of the dress. Our program helps brides afford the dress they want when paying entirely with cash, credit card, or a loan isn’t an option.

APPROVAL RATES

We have one of the highest approval rates in the industry. We want to empower brides to have access to the things they want and love, especially when other financing options may not be available to them.

UNDERWRITING

You are more than your credit score. Look, we understand that there’s more to you than your credit score. Millions of people don’t have a credit history, and for the rest of us who do, sometimes… stuff happens. That’s why we get the whole picture. Our unique underwriting system uses artificial intelligence and many data points to get a much clearer window into what makes you, you. The result is a unique and personalized score for every individual.

RISK-BASED PRICING

Get this… just like as every unique individual is given a personalized score, each bride will be given a unique price. We offer fair costs & terms that are personal to you.

EARLY PURCHASE OPTION

In the traditional world of leasing, consumers ordinarily have complete the whole leasing period before they have the option to purchase the item and become the owners. With I Do, we offer you the flexibility of paying market value at any time. That’s right, brides can buy out of their lease at any time and become the outright owners of the dress. And, there are no penalties or extra fees if you choose to purchase early! In fact, you save money if you choose to buy out early.

IMPROVE YOUR CREDIT

Each month we take the time report your payment status to one credit bureau, Experian in an effort to help you improve your credit.

I Do Lending is an alternative financing option to take home the dress you love TODAY. We offer an affordable lease purchase program designed just for you. Our flexible program is easy to use, and unlike our competitors, our contracts have no hidden fees or agendas.

PROCESS

STEP 1: Apply online at IDoLending.com. Qualified customers get instantly approved for a min of $300 and max of $5,000.

Applying: Let’s put the dark days of faxing paperwork back and forth behind us once and for all. We only ask for a few pieces of information from you and a hard credit check. With that information, our technology will underwrite you in seconds.

STEP 2: Connect with a merchant of your choice.

Finding a merchant: We work with a large network of retailers across the country. Once you’re approved you can choose any you’d like! And if a retailer isn’t part of our network, no problem. Just let us know and we are happy to connect to the specific retailer for you.

STEP 3: Go out and select the dress of your dreams.

The great search: Now for the part that you have been dreaming about! Visit the in-network retailer of your choice and happy dress hunting. It’s up to you how much of your approval you spend. You can use just what you need, or you can go all out. Our retailers are educated on how our program works and will happily assist you through the process.

STEP 4: Sign the lease purchase agreement and make your first low, fixed monthly payment in store or on delivery of the product.

STEP 5: Take home that special dress! Low, fixed monthly payments will be made to I Do Lending for the next 11 months.

Monthly payments: Our terms are 12 months for all lease purchase agreements with the option to buyout at anytime! That’s right, you can buyout at anytime during your contract term.