Financing that fits your budget
Comparison of Financing Options
| Financing Option | Minimum Purchase | Terms & Credit Requirements |
| Synchrony | No minimum | Flexible terms; credit check required | APPLY NOW |
| Acima | No minimum | Lease-to-own; soft credit check | APPLY NOW |
| American First Finance | No minimum | Flexible terms; credit check required | APPLY NOW |
Real Furniture Purchase Example
$900 Furniture Purchase:
- Synchrony: $225/month for 4 months
- Acima: $50/week for 18 months
- American First Finance: $75/month for 12 months
Frequently Asked Questions
Will it affect my credit?
Synchrony and American First Finance perform a credit check that may appear on your credit report. Acima uses a soft credit check that typically does not affect your credit score.
Do I need a Social Security number?
Yes, all financing options require a valid Social Security number or ITIN for verification purposes.
Can I cancel?
Synchrony and American First Finance allow early payoff without penalties. Acima lease agreements have specific terms — contact them directly for cancellation details.
When will I receive my furniture?
Once approved, delivery typically takes place within 5–7 business days. You’ll receive confirmation and tracking information via text message and email.
Financing that fits your budget
Don't let credit issues stop you from a furniture or mattress purchase! Click the apply button for a fast decision so you can make the purchase you need, when you need it. We want our customers to be educated about financing, which is why we send full lease details by text and make sure you know exactly what your payments will be before you make a decision.