Take it home today. Pay over time.

One Synchrony application checks with three lenders, and Snap is there as a lease-to-own option, so almost everyone has a way to say yes, including folks who are still building credit. Many customers take home a couch for $39 down.

One application, three chances to say yes

Synchrony

Start here. Synchrony offers a furniture credit card with special financing on qualifying purchases. If Synchrony can't approve you, your application automatically gets a second look from Koalafi and Fortiva, with no extra forms.

Special financing offers on larger purchases
Automatic second look from Koalafi and Fortiva
Apply online in a few minutes

Apply with Synchrony

Lease-to-own

Snap Finance

A lease-to-own option for people with less-than-perfect credit or no credit history.

Quick application on your phone
Low amount due at signing
Ask us about early purchase options

Apply with Snap

Financing is provided by our partners and is subject to their approval and terms. Lease-to-own is not a loan, and the total cost of ownership is higher than paying cash. We're happy to walk through the numbers with you before you sign anything.

How it works

Three easy steps

Pick your furniture

Shop the showroom or browse online. We'll help you put the room together.

Apply in minutes

Apply online or at the counter. Most decisions come back in a few minutes.

Take it home

Load it up today or let our crew deliver it and set it up.

Questions

Financing FAQ

Will applying hurt my credit?

Each partner handles this differently. Ask us before you apply and we'll tell you what to expect for each one.

I've been turned down before. Can I still apply?

Yes. A Synchrony application automatically gets a second look from Koalafi and Fortiva, and Snap is built for customers who are still building credit.

Can I combine financing with a sale or military discount?

In most cases, yes. Ask a salesperson and we'll price it out for you.

Can I apply before I come in?

Absolutely. Apply online, then bring your approval to the store and we'll take it from there.