No credit needed
No credit history is needed to apply, and bad credit is OK. Subject to approval.
Leasing · lease-to-own · Houston
Lease-to-own phones, PS5 & laptops — no credit needed.
Take it home today. Pay over time.
Take home an iPhone or Samsung Galaxy phone, a PlayStation 5, Xbox, Nintendo Switch 2, MacBook, laptop or iPad today — no credit needed, starting at $40 down, subject to approval.
- No credit needed
- From $40 down
- Take it home today
- Se habla español
- PlayStation 5
- Xbox Series X & S
- Nintendo Switch 2
- MacBook Air
- Windows laptops
- iPad & iPad Pro
- iPhone 18 Pro Max
- Galaxy S series
- AirPods Max
- Smartwatches
- JBL speakers
Apply online
Get approved for leasing before you come in.
Apply with any of our lease-to-own partners in a few minutes from your phone. Once you're approved, come to the store, pick your phone, console or laptop and take it home today.
- Takes a few minutes
- Have your ID & bank info ready
- Shop in store once approved
- PL
Progressive Leasing
Lease-to-own application — no credit needed.
Apply now - AFF
American First Finance
Fast decisions on lease-to-own, even with imperfect credit.
Apply now - P
Payvantage
Quick online application for lease-to-own.
Apply now
Each application opens on the provider's own secure site. Subject to approval. Lease-to-own is not a loan; the total cost to own is more than the cash price. Terms are set by each provider.
What you can take home
Not just phones. Almost anything we sell.
A new phone for you, a console for the kids, a laptop for school or work — one simple plan at one counter.
Phones
- iPhone 18 Pro Max
- iPhone 17 Pro
- Samsung Galaxy
- Unlocked Android
Game consoles
- PlayStation 5
- Xbox Series X & S
- Nintendo Switch 2
- Controllers & headsets
Laptops & tablets
- MacBook Air & MacBook Neo
- iPad, iPad Pro & iPad mini
- Galaxy Tab S10 FE+ & A9+
- Windows laptops
Audio & wearables
- AirPods & AirPods Max
- Galaxy Buds
- JBL speakers
- Smartwatches
Stock changes often — call (713) 339-9300 to check availability on a specific model.
How it works
From the counter to your couch in four steps.
- 01
Pick it out
Come see it in store, or call ahead and we'll check what's in stock.
- 02
Apply in minutes
A quick application at the counter. Bring a valid photo ID — we'll tell you if anything else is needed.
- 03
Pay a little to start
Options starting at $40 down, depending on the item and the plan you're approved for.
- 04
Take it home today
Walk out with your console, laptop or phone and make regular payments over time.
Why TIC
Bad credit? You can still apply.
No credit is needed for our lease-to-own options, so bad credit isn't automatically a deal-breaker. Approval isn't guaranteed — it takes a few minutes at the counter to find out.
Arrendamiento con opción a compra — sin necesidad de crédito.
From $40 down
Start with a small amount instead of paying the full price on day one.
Predictable payments
Regular payments on a set schedule. Ask us about early-payoff options.
Real store, real people
Sign up face to face on Hillcroft — in English or Spanish — not on a faceless website.
Real Google reviews
What customers say about TIC Wireless.
4.7 out of 5 on Google · 408 reviews
Awesome group of employees. Helped me get financed for the iPhone 6 I've been wanting one for a while now. Definitely recommend this place my credit is not that good and I still was approved.
Brenda T. Google review · 9 years agoGreat experience dealing with Odalis. She made sure I fully understood the lease and the payments on the iPhone XR. I will definitely come back again.
Amner S. Google review · 7 years agoIf I could give this place 10 stars I would! Customer service is great and they really work with you to get you approved for a phone!
Jackie A. Google review · 4 years ago
Questions
Leasing, explained.
Can I get an iPhone or Samsung phone with bad credit?
Yes, you can apply. Lease-to-own on unlocked iPhones and Samsung Galaxy phones needs no credit, from $40 down, so bad credit isn't automatically a deal-breaker. Approval isn't guaranteed; bring a valid photo ID and it takes a few minutes in store to find out.
Can I get a PS5 or Xbox with bad credit?
Yes. We offer lease-to-own options where no credit is needed, so bad credit isn't a deal-breaker. Approval isn't guaranteed, but it takes just a few minutes in store to find out.
Can I lease a laptop or MacBook with no credit?
Yes. Lease-to-own works on laptops, MacBooks and iPads as well as phones and consoles. Stop by or call and we'll check what's in stock.
What's the difference between leasing and a loan?
A loan is money you borrow and pay back over time. Lease-to-own works differently: you lease the item and make regular payments; once the plan is complete — or you buy it out early — it's yours. Lease-to-own isn't a loan, and the total cost to own is more than the cash price. We'll walk you through the exact terms before you sign.
How much do I pay upfront?
Options start at $40 down. The exact amount depends on the item you choose and the plan you're approved for.
Can I pay it off early?
Ask us about early-payoff options when you apply — we'll explain how they work for your plan before you sign.
Do you have the console or laptop I want in stock?
Stock changes often. Call (713) 339-9300 and we'll check for you, or ask us to set one aside.
¿Puedo aplicar en español?
¡Claro! Arrendamiento con opción a compra, sin necesidad de crédito. Te explicamos todo en español.
Ready to take it home?
Stop by 3640 Hillcroft St, Suite C or call — we'll check stock and walk you through your options in minutes.
Leasing (lease-to-own) options are provided by third-party partners and are subject to approval; not all applicants are approved. Lease-to-own is not a loan or credit, and the total cost to own is more than the cash price. Down payment, payment amounts and terms vary by item and plan. Ask in store for full details before signing.