Financing Disclosures
Last updated September 3, 2026 · Mac Financial Tech Group, Inc., doing business as Mac Wireless Co.
Sample program terms. The binding terms are the ones in the financing firm's agreement or your signed lease-to-own agreement.
The programs
Mac Wireless offers two ways to spread the cost of a certified pre-owned or in-stock device. Pay over time at checkout through Affirm, Klarna or Afterpay: you apply and agree to that firm's terms inside the payment step; they set the schedule, any interest, and the approval. Mac Wireless lease-to-own: a rental-purchase agreement with early purchase options, no credit needed, decided from the application on the shop page.
A lease-to-own agreement is a rental with an option to buy — it is not a loan or a credit sale. You do not own the device until the final payment or early purchase option is exercised. The total cost of ownership is higher than the cash price shown on the shop page; the exact amount is printed on the agreement before you sign.
Soft credit check
Applying runs a soft inquiry through Equifax, Experian and TransUnion. A soft inquiry is visible only to you on your credit report and does not affect your credit score. It is used with the information on your application to decide the approval amount. The financing firm you chose is the party running the check; we send them your application when you submit it.
Deposit and payments
A 20% deposit of the device price is due at signing and is applied to the agreement. The balance is paid in the schedule on your agreement — for the example on the shop page, equal monthly payments over the term shown. Payments are made by card on file or in the portal. Late or missed payments follow the terms of the agreement; the device may be recovered if the agreement is not honored.
Example
Device price $600 · 20% deposit $120 due at signing · $480 balance · 12 monthly payments of $40 at the example 0% rate = total of payments $600. Real offers range from 0% to 36% APR depending on the firm and your application; the exact payment schedule and total cost are shown before you agree to anything.
Your rights
- You may cancel a lease-to-own agreement at any time by returning the device in good condition; you owe only the payments due through the date of return.
- You may purchase the device early at the early-purchase price stated in the agreement.
- You receive a copy of the signed agreement by email and can request it at any time.
- Nothing on this page limits any right you have under Mississippi's rental-purchase laws or federal law.
Your information
Your Social Security number and ID image are encrypted the moment they reach us, are never shown in full on this site, are used only for the credit check by the firm you chose, and are deleted 30 days after a decision. See the Privacy Policy.