Payment Options

We partner with three financing companies — Snap Finance, American First Finance, and Synchrony. You apply online in minutes (or in-store with our help), get a decision quickly, and use your approval to take home furniture or a mattress the same day — paying over time instead of all at once.

No — Snap Finance and American First Finance both offer no-credit-needed options and look at more than just a credit score. (With American First, approval is possible without a credit score, but credit may be checked.) If you do have established credit, Synchrony offers credit-based plans with promotional terms.

If you don't have much credit history — or don't want it to be the deciding factor — Snap Finance and American First Finance are built for you. If you have established credit and want promotional terms like up to 12 months no interest, Synchrony is a good fit. Every application takes just minutes, and our team is happy to help you choose.

For Snap Finance and American First Finance, the basic requirements are the same: you're at least 18 years old, have steady income of at least $750 a month, and have an active checking account. Synchrony applications are credit-based.

Snap Finance offers a 100-day no interest payment option and American First Finance offers up to 110 days no interest — pay off within the window and you avoid interest charges. Ask in-store or check your agreement for the exact terms.

Yes — financing doesn't change that. Everything on our floor is in stock, so once you're approved, your furniture goes home with you today.