Are A+ Financial Services Rent-to-Own Deals Worth It or a Trap?

Yes, the rent‑to‑own deals can work, but they also have clear downsides.

I looked at several customer reviews and the basic terms that A+ Financial Services, Inc. offers. Here’s what I found:

  • Most customers receive small loan amounts. One reviewer said they got $100 after three trips to the office, while another mentioned the company “always gives $200 and more than that.”
  • The approval process is not always smooth. One person was told they were approved, but the company never called or updated the online account.
  • Compared to competitors, A+ often provides lower amounts. A reviewer who has a 650 credit score received only $200 from A+, yet got $1,000 the same day from World Finance.
  • Service quality varies. Some users praised the clerk’s help and said the service was great, rating it 4 out of 5. Others felt the customer service was lacking and gave a 2‑star rating.

What this means for you

  • Pros: You can get a quick cash advance, sometimes as fast as the same day, with a friendly clerk.
  • Cons: The loan amounts tend to be modest, and the follow‑up on approvals can be poor. You may end up paying higher fees or interest compared to other lenders that approve larger amounts.

I have not used A+ Financial Services myself; my view is based only on the research and reviews available. Whether their rent‑to‑own deals are worth it depends on how much money you need, how quickly you need it, and how comfortable you are with the mixed customer experiences. The choice is yours.
 
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