90-Day Same-as-Cash: How to Save Money with Rent to Own

## 90-Day Same-as-Cash: The Smartest Way to Use Rent to Own If you're using rent to own, the 90-day same-as-cash option is the single best way to save money. Here's everything you need to know about how it works and how to make the most of it. ## What Is 90-Day Same-as-Cash? The 90-day same-as-cash option means that if you pay off the full retail cash price of your item within the first 90 days of your lease, you'll only owe the cash price — with no additional lease fees or interest charges. **Example:** - You lease a 55" Samsung TV with a retail price of $499 - Your weekly lease payment is $14/week - If you pay the full $499 within 90 days, that's all you owe - You save hundreds compared to paying out the full lease term ## How Much Can You Save? The savings can be significant. Here's a comparison: | Item | Retail Price | Full Lease Cost | 90-Day Payoff | You Save | |------|-------------|----------------|---------------|----------| | 55" Smart TV | $499 | $728 | $499 | $229 | | MacBook Air | $1,099 | $1,584 | $1,099 | $485 | | Washer/Dryer Set | $899 | $1,296 | $899 | $397 | | Living Room Set | $1,299 | $1,872 | $1,299 | $573 | ## How to Make the 90-Day Option Work for You ### 1. Plan Your Budget Before You Lease Divide the retail price by 12 weeks (roughly 90 days). This is your target weekly payment to pay off by the deadline. **Example**: $499 TV ÷ 12 weeks = ~$42/week ### 2. Make Extra Payments Most rent-to-own programs, including MyExchangeStore, allow you to make extra payments anytime. Pay more than your minimum weekly amount when you can. ### 3. Set Calendar Reminders Mark day 60 and day 75 on your calendar. These are your checkpoints to ensure you're on track for the 90-day payoff. ### 4. Use Windfalls Wisely Tax refunds, bonuses, birthday money — direct these toward your early payoff to hit the 90-day target. ### 5. Start with One Item at a Time Don't lease multiple items simultaneously if you're planning to use the 90-day option. Focus on paying off one item before leasing the next. ## What Happens After 90 Days? If you don't pay off the full cash price within 90 days, your lease continues with your regular weekly payments until the end of the lease term. You still have the option to purchase the item at a reduced buyout price at any point during your lease. There's no penalty for not hitting the 90-day window — it's simply an opportunity to save. ## The Bottom Line The 90-day same-as-cash option makes rent to own one of the most flexible financing options available. Use it strategically and you can get the items you need today while paying only the retail price — no interest, no fees. Ready to start saving? [Browse our catalog](/) and [apply for instant approval](/apply) today.