Instant Finance FAQ

What is TEMPOE?

TEMPOE provides a leasing program that offers:

  • No credit required leases
  • Simple lease applications
  • Instant decisions
  • 5-month minimum lease term with a maximum lease term of 11-months
  • Early purchase options *

*Early purchase options are not available in New Jersey, Vermont, West Virginia, and Wisconsin.

What do I need to qualify for a lease?

To qualify for a lease, you must be at least 18 years old and have:

  • a valid photo ID,
  • a debit or credit card,
  • a valid email address,
  • a valid phone number, and
  • a current Social Security Number (SSN) or Taxpayer ID (ITIN).

What forms of photo ID are accepted for the lease application?

These forms of photo ID are accepted:

  • Driver’s license
  • Passport
  • Green card
  • State ID card
  • Military ID
  • Tribal ID
  • Mexican or Canadian ID if the applicant has a US address and Taxpayer ID (ITIN)

How do I apply for a lease with TEMPOE?

When completing your order, select TEMPOE as your payment option. From there, you are directed to fill out a TEMPOE lease application. Most applications are decisioned within seconds, but some applications can take more time to verify your provided information.
Upon receiving a Lease Approval, you will:

  1. Review and accept the terms and conditions.
  2. Electronically sign your lease.
  3. Pay your Administrative Fee.

Can I get approved if I have bad credit?

You are still eligible for a lease through TEMPOE if you have bad credit or no credit. The application does not affect your credit score.

How much do I have to pay today?

You are required to pay a $50 Administrative Fee at lease signing. The remainder of your payment amounts depends on the lease amount. View the lease estimator to calculate an estimate on your ongoing lease payments. Log into your TEMPOE account to review the Consumer Lease Agreement and your lease payment schedule.

How do recurring payments work?

You pay your $50 Administrative Fee online. Ongoing lease payments to TEMPOE are automatically deducted from your bank account, credit card, or debit card each pay period.

What methods of payment do you accept?

Ongoing lease payments can be made with a checking account, savings account, debit card, or credit card.

I didn’t use my entire lease Approval amount. Can I open another lease?

Yes! You can use the remaining lease Approval amount to lease additional merchandise. Call TEMPOE Customer Service at (855) 484-8275 for assistance.

Do you require a minimum lease term?

The Consumer Lease Agreement requires that you fulfill the 5-month minimum term to meet your obligation or exercise an early purchase option*. Once the 5-month minimum term is completed, you can:

  • purchase the leased items*,
  • continue leasing, or
  • return leased items to TEMPOE.

Your lease has a maximum term of 11 months (“Expiration Date”). Should you decide to renew your lease to the Expiration Date, you must either purchase the leased items* or return the leased items to TEMPOE within 45 business days of the Expiration Date.

* Purchase options are not available in New Jersey, Vermont, West Virginia, and Wisconsin.

Can I buy the merchandise if I decide to keep it?

Early purchase options (not available in NJ, VT, WI, or WV) are available within 30, 60 or 90 days of lease origination date for cash price plus 5%, 8%, or 10%, respectively, less amounts paid (excluding fees) and add applicable taxes.

Can I return leased merchandise?

Leased merchandise can be returned to TEMPOE once the 5-month minimum lease term has been met. Details are provided in your Consumer Lease Agreement. You can initiate the TEMPOE return process by calling TEMPOE Customer Service at (855) 484-8275.
All InstantFinance24 items are new and come with warranty. If you receive a defective item, please contact InstantFinance24 at (800) 686-7786 within 24 to 36 hours for an exchange.
If you picked up your item at one of InstantFinance24’s national retail partners, you may be approved for an exchange of your product within 5 days from the date your contract was executed for a working device. Restock fees may apply.

What is the interest rate?

Interest rates do not apply to leases. The Consumer Lease Agreement provides the terms of the lease. Use the lease estimator to review lease and payment amounts.

Where can I access my Consumer Lease Agreement?

You will electronically receive your Consumer Lease Agreement to review before you sign and enter into the Lease. You will also receive a copy via email after you complete the lease transaction. Log into your TEMPOE account to review your Consumer Lease Agreement.

What if I’m not approved? Can I apply again?

Yes. You can reapply in 30 days. If you have additional questions, call TEMPOE Customer Service at (855) 484-8275.