Financing Options
Most people don't walk in ready to drop a few thousand on furniture. That's normal. We have a few ways to make it work. I'll be straight with you about each one.
Snap Finance
Best for: People with no credit or rough credit who need furniture now.
How it works: You apply in the store or online. Snap looks at your income and banking history more than your credit score. If approved, you get a spending limit (usually $1,000 to $3,000) and make payments over time.
What you need: Active checking account, steady income, ID. They'll verify your income through your bank account activity.
The catch: It's more expensive than paying cash. You're paying for flexibility. Know what you're signing up for.
Acima Leasing
Best for: People who want to own the furniture but need time to pay it off.
How it works: Acima buys the furniture and leases it to you. You make payments, and after a set period (usually 12 months), you own it. You can also buy it out early and save money.
What you need: Checking account that's been open 90+ days, $1,000+ monthly income, valid ID.
Credit check: They do a soft pull, but they're more flexible than traditional financing.
Store Credit Card (Synchrony)
Best for: People with decent credit who want promotional financing (like 0% for 6 to 12 months).
How it works: It's through a third-party bank. Apply in-store, get approved, use it same day. Pay it off during the promotional period and you pay no interest.
What you need: Fair to good credit (usually 620+). They'll do a hard credit check.
Watch out for: Deferred interest. If you don't pay it off in time, you owe interest on the whole amount from day one.
Which One Should You Pick?
- Snap or Acima: They don't care much about your credit score. They care about income.
- Store card: Usually 620+ credit score, but it varies.
What to Bring
If you want to apply for financing, bring:
- Government-issued ID
- Proof of income (pay stubs, bank statements)
- Your checking account info
- A working phone number
I'm not a financial advisor, but I know these programs pretty well. Ask for Eric.