Get EASY Furniture financing with quick application process. All credit types are welcome!

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Plan Summary:

Approvals up to $5,000. Lease-to-own agreements to complete purchases in 3 months with no interest and no deep credit check. Pay monthly, weekly, twice a month withdrawn automatically from your bank account. Track payments online and pay off total anytime. Interest applies after 3 months period is exceeded.

If you're older than 18 and have an active bank checking account with over 3 months of history and that gets at least a $1000 each month, you're very likely to get approved. It's free to apply and will not affect your credit. Fill out the application. Submit it. Get a decision right away. Give us a call and we'll take you through the process. Ready to ship with a small initial payment.


The lease-to-own financing plans are not available at checkout hence require application to be submitted on the partner's website. Please choose from the following to apply and reach out to us for further steps on how to complete your purchase.

Payment Plans

You may exercise one of the two options - 12-months payment plan with interest (smaller amount each payment) or 3-months no interest (larger amounts) financing option. The payments are withdrawn automatically from the bank account provided.After the delivery is made or the order is shipped, the applicant MUST reach out to the financing partner to request and exercise the 3 months no interest option as by default, the 12-months plan is applied.

Furniture Financing Approval Criteria:

  • Be of legal age to enter into a contract.
  • Have a steady monthly income.
  • Have an active checking account
  • Provide a valid email address and phone number.

Does It Affect Credit?

During the application/approval process, the above company may perform a soft credit check. This type of check will not impact your credit score or show up as a hard inquiry on your credit report. The companies listed above don't pull credit from the main credit bureaus (CRAs) - this means that whether the credit is good or bad, you have a great chance of being approved with Snap, Koalafi, and Acima.

modern dining table sets furniture financing no interest

2) Shop Now Pay Later Furniture Financing with Klarna, Affirm, ShopPaySummary

Pay in 4 for interest free financing with no effect on credit. Or choose monthly financing plans to turn total into small chunks.

How to Apply

Add items to your cart, go to checkout and choose the financing company and method that suits you the best.

Eligibility and Credit Scores

Your credit scores aren't impacted if your purchase is eligible to split the total into 4 payments using Shop Pay Installments, Klarna or Affirm. If your purchase is split into monthly payments, then your payments may be reported to a credit bureau.

Payment Plans

For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied. Purchases split into monthly payments may be subject to interest. You can pay your balance off early without penalty.