Furniture financing ASY Furniture couch white illustration only


All credit types are welcome.

1) Lease-To-Own Plan Summary

  • Get approved for up to $5,000 hassle-free with lease-to-own agreements. Zero interest within 3 months, flexible payments, online tracking. Early payoff options available. Note: Interest charges beyond 3 months.
  • Eligibility is clear: 18 or older, active bank account with a 3-month history, minimum $1,000 monthly; approval highly likely. Risk-free application won't affect credit score. Fill out and submit for immediate decision. Contact us for guidance. Expect prompt shipping with affordable initial payment.

How to Apply: (No Credit Impact & Free)

To access our lease-to-own financing, customers need to apply via our partner's website:

Payment Plans

Opt for a 12-month interest-bearing plan for smaller payments or a 3-month, interest-free option with larger payments. Automatic bank account deductions simplify payment. Contact the financing partner upon delivery to choose the 3-month no-interest plan. Default is the 12-month plan.

Furniture Financing Approval Criteria:

  • Legal age for contract agreement.
  • Consistent monthly income.
  • Active checking account.
  • Valid email and phone contact.

Does It Affect Credit?

Our soft credit check during application or approval does not affect your credit score or register as a hard inquiry. We do not conduct credit checks through major CRAs, so your credit history won’t hinder your high chances of approval with Snap Finance.

2) Shop Now Pay Later ShopPay Installments


Opt for interest-free financing over 4 installments without impacting your credit score.

How to Apply

To complete your purchase, simply add the desired items to your cart. Once you're ready, navigate to the checkout page and select the financing company and method that best suits your needs.

Eligibility and Credit Scores

Your credit score is not affected if your purchase is eligible for splitting the total into four payments using Shop Pay Installments. However, if your purchase is divided into monthly payments, then your payments may be reported to a credit bureau.


Rates from 0%-36% APR. Payment options through Shop Pay Installments, are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. State notices to consumers