Flexible Finance

Flexible Finance

Own it today, pay over time.

Three simple ways to bring your furniture home now and pay on your terms — whether you're building credit or have it. Choose the path that fits you.

Your three options

Best first option

Sn

SNAP Finance

Banking-based approval · Checking account required

A financing option that looks at your banking activity. Approval is based on your checking account, and applying won't affect your credit score.

What you needActive checking accountIn good standing
Monthly depositsMore than $750Into that account
Credit score impactNoneApplying won't affect your score
How to applyOnlineBefore you shop

Good to know

  • Most of our customers who apply are approved
  • Applying will not affect your credit score
  • Simple requirement: an active checking account with more than $750 in deposits per month
  • Subject to approval — not everyone who applies will qualify
  • Terms and costs are set by SNAP, so review them before you sign
Apply with SNAP →

Quick application — won't affect your credit score

Next best option

A

Acima

Lease-to-Own · No credit needed

A lease-to-own option for shoppers with limited or no credit. Get an instant decision without a hard credit pull, then make payments toward ownership.

Credit neededNoneSoft check only
DecisionInstant~60 seconds
Due at signingAs low as $10Due at signing, on approval
Early purchase option90 daysPay off early to save

Good to know

  • Approval based on income & banking, not credit score
  • Apply before you shop and know your limit upfront
  • 90-day early purchase option keeps total cost down
  • Not a loan — it's a lease; lease fees apply
  • Costs more than the cash price if kept to full term
Apply with Acima →

Takes about 60 seconds — no hard credit pull

Best for excellent credit

S

Synchrony

Promotional Financing · Credit required

Special financing for shoppers with excellent credit. Pay for your purchase over a promotional period with no interest when paid in full in time.

Credit neededYesCredit application
How to applyAt checkoutChoose Synchrony as payment
Promo offerUp to 36 monthsNo interest if paid in full
After promoStandard APROn any remaining balance

Good to know

  • No interest when the balance is paid in full within the promo period
  • Higher limits make it well-suited to larger purchases
  • Revolving line you can reuse on future orders
  • Requires a credit application (hard credit pull)
  • Deferred interest: if not paid in full in time, interest is charged from the purchase date
Apply with Synchrony →

Add your items to the cart, then choose Synchrony as your payment method at checkout to apply.

Which one is right for you?

Start with SNAP if…

You have an active checking account with more than $750 in monthly deposits and want to apply without any impact to your credit score.

Choose Acima if…

You have limited or no credit history, want an instant decision without a hard credit check, and prefer a lease-to-own path with the option to pay off early and save.

Choose Synchrony if…

You have excellent credit and want to avoid interest by paying your balance in full within a promotional window — ideal for larger purchases.

All financing is subject to approval. Acima offers lease-to-own financing; it is not a loan, credit, or financing, and lease terms and fees apply. SNAP Finance approval is subject to eligibility requirements, and terms, fees, and availability are set by SNAP; not all applicants will be approved. Synchrony promotional financing is a credit product subject to credit approval; minimum monthly payments are required, and interest will be charged from the purchase date if the promotional balance is not paid in full within the promotional period. Terms, fees, and availability vary and are set by each provider. See each provider's agreement for full details. Questions before you apply? Contact us.