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Lease-to-Own Disclosure – Texas Tires Texas Tires offers lease-to-own options through independent third-party leasing providers, including Snap Finance, American First Finance, Koalafi, and Progressive Leasing. This is a lease-to-own transaction, not a loan or traditional credit sale. You will not own the product unless you complete all required payments or exercise an early purchase/buyout option as outlined in your lease agreement. Important Lease Information Approval may be available without a traditional credit score, however credit information may be reviewed to verify identity and eligibility. Lease-to-own agreements may also be referred to as lease, rent-to-own, or rental-purchase agreements. The leasing provider purchases the item(s) from Texas Tires and retains ownership until all ownership requirements are satisfied. Total lease cost exceeds the retail cash price due to rental fees and possible additional charges, which may include late fees, NSF fees, optional protection plans, or other permitted fees. Early purchase or buyout options may be available and can reduce the total cost if exercised according to the provider’s terms and timelines. Additional or larger payments may be required to qualify for early purchase options. Not all applicants are approved. Terms, eligibility, payment amounts, fees, and ownership options vary by provider and by state. Lease-to-own options may not be available in all states. Provider-Specific Notes Snap: Lease-to-own agreements offered by Snap RTO LLC. Availability and terms vary by state. Snap may obtain information from consumer reporting agencies. American First Finance (AFF): AFF retains ownership of leased items until all ownership requirements are met. Early buyout options may be available. Koalafi: Koalafi may obtain information from consumer reporting agencies to verify identity and eligibility. Texas Tires is not a lender and does not make approval decisions. All approvals, terms, conditions, and ownership rights are determined solely by the leasing provider. Visit our Terms & Conditions page to learn more.