MI TARJETA CANALES

Financing & Lease-to-Own Disclosures

My Canales Card — Synchrony: Subject to credit approval. Minimum monthly payments required. Special financing applies to qualifying purchases under the applicable offer. See promotional terms and your credit card agreement for details.

Affirm / Shop Pay Installments: Available payment plans carry APRs ranging from 0% to 36%, depending on eligibility. Purchase amount and merchant participation affect available options, and an upfront payment may be necessary. Financing is provided by the institutions listed at affirm.com/lenders. Review applicable terms and state notices at affirm.com/disclosures and affirm.com/licenses.

Koalafi: “No Credit Needed” does not mean that credit information is not checked or that your credit will be unaffected. Lease requirements and early purchase options can differ by state. Refer to your agreement for applicable payment and ownership terms.

American First Finance: Applications, approval amounts, and costs require verification and are not guaranteed. Review may include identity, banking, credit-reporting, and other information. Additional information may be requested, and a decision may take longer than one day. Available products have different terms. Under a lease, AFF retains ownership until the required payments and charges are satisfied; the total paid can exceed twice the retail price. Refer to your agreement for the applicable product, fees, and purchase options.

Progressive Leasing: Credit-bureau information is reviewed, although an established credit history is unnecessary. Approval is not guaranteed. Acquiring merchandise through leasing costs more than buying it at the retailer’s cash price. The first payment and applicable tax are due when signing; subsequent payments depend on the merchandise selected. The standard ownership period is 12 months. Early purchase generally costs more than cash, except for California’s three-month option. To arrange early purchase or cancellation, call 877-898-1970. Service is unavailable in Minnesota, New Jersey, and Wisconsin.

Kafene: Kafene provides lease-to-own agreements rather than loans. Application requirements apply, and the assessment considers information beyond traditional credit scores. Early purchase amounts include the applicable cash price, taxes, and fees. Completing a lease over its full term costs more than exercising the initial early purchase option. Review your agreement for payment amounts and available ownership options.

Snap Finance: An established credit history is not necessary, but Snap reviews consumer-reporting information, and scores maintained by those agencies can be affected. Approval and advertised amounts are subject to qualification. Available products depend on location, merchant participation, and eligibility. Early ownership options require timely payments and payment of the specified amount before the applicable deadline. Review your agreement for costs, fees, and restrictions.

Acima: Acima Leasing provides rental-purchase agreements rather than loans or credit. Application review includes consumer-reporting information, and applicants may be declined. Ownership through leasing costs more than purchasing for cash; completing the standard 12-month agreement can exceed twice the cash price. Early purchase requires additional payments and must be arranged separately. For early purchase or cancellation, visit customer.acima.com or call 801-297-1980. Geographic restrictions apply. Consult your lease for complete terms.

Okinus: Lease-purchase applications are subject to Okinus approval. Okinus may obtain consumer credit reports and report account information and payment performance to credit bureaus. Ownership requires satisfying the payment schedule or applicable purchase option specified in the agreement. Consult your lease for payment amounts, charges, and ownership terms.

Uown: Uown provides lease-to-own payment options. Eligibility depends on income, employment, and other qualifying information, which may be verified through consumer-information databases. A processing charge of up to $40 may apply, depending on the merchant and state requirements. Payment schedules, early buyout options, and ownership conditions are governed by your lease agreement.