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Q: What are the requirements to apply through BDS?
A: in order to apply, you must:

  • Be 18 years of age or older

  • Have a steady income of at least $1,000 per month

  • Have an active checking account

  • Have a valid email address/phone number

Note: Meeting these application requirements does not guarantee approval.

Q:Does it affect my credit score?

A: No, applying or using the approval amount will not affect your credit score.


Q: Am I leasing the merchandise/repairs from my local dealer?

A: No, you are leasing the merchandise/repairs through Koalafi Financing or SNAP Finance.

Q: Who will warranty my tires or repairs?

A: All warranty concerns are handled by your local dealer.


Q: Is there an early Buyout option?

A: Yes! 

1. Pay the total lease amount plus tax before 90 days and save
2. After 90 days of a 12 month contract save 30% on the balance of the contract
3. After 90 days of a 24 month contract save 50% on the balance of the contract

Q: Can I use the BDS Program along with another finance source to pay for my purchase/repairs?

A: No, you cannot use two finance contracts for one purchase/repair.

Q: Is the BDS Program a loan?

A: All BDS' finance partners are "Lease To Own". 

Q: Is there an interest rate on the lease?

A: No, you pay a Lease/rental fee.

Q: Can I still be approved if I have bad credit?

A: Yes! All BDS' finance partners do not rely on standard credit score but use a proprietary approval process that gives you the best chance of being approved. They specialize in financing those who have bad credit, no credit, bankruptcy, or other challenges with their credit.

Q: What’s a lease-purchase?

A: A lease-purchase is a form of lease where you rent the merchandise through one of BDS' finance partner for a designated period, usually 12 months, after which you gain ownership of the merchandise. You may also pay off the lease and gain ownership at any time.

Q: If I sign a lease-purchase agreement, how much do I have to pay today?

A: There may be a processing fee or initial payment due the day you complete your transaction. This amount varies. Check your BDS Disclosure/Invoice and your lease agreement for specifics.

Q: Do any BDS finance partners charge interest on a lease-purchase agreement?

A: No, BDS' finance partners do not charge interest on a lease-purchase agreement. However, there is still a cost of lease in addition to the BDS Merchant Fee.  The amount of this cost varies by customer and residential state, and it will be detailed in your agreement and disclosures. The BDS Merchant Fee amount varies. The amount of the BDS Merchant Fee depends on the merchandise/repair amount.  Be sure to read and understand your disclosures before you sign, and understand the important dates, amounts, and terms unique to your agreement.

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