Aaron's, a large department-like store, sells home furnishings and appliances through a lease-to-own program. If you choose to buy the leased item within 120 days (90 days in California), expect to pay the full price plus 10 percent on the payments already made; after 120 days, all payments go towards an ultimate purchase -- or you can return the item and stop paying. This type of plan is a decent option if you have no other way to finance the purchase or buying just isn't feasible. Note, though, that monthly installments at Aaron's or similar lease-to-own stores come at a premium -- how much depends on the item, lease duration, renter's credit score, etc.