Furnishings4Less has many financing options from NO CREDIT NEEDED to up to 48 months 0% interest (WAC). 

Option 1

ACIMA NO CREDIT NEEDED CLICK TO APPLY 

Eligibility Requirements

Do you have a three-month history with your current employer or source of income?

Have you had a checking account for at least 90 days?

Do you deposit $1,000 or more into your checking account each month?

Pay Over 12 Months

• Choose to make all lease renewal payments to align with your payday and own the property in 12 months.

90 Day Purchase Option

• Choose to make all lease renewal payments to align with your payday and own the property in 12 months.

Early Purchase Discount

• Purchase after 90 days and save 25% or more on all outstanding payments.

Text to apply

• Text "34241" to "22462" to apply via text

Credit Reporting

• Partnering with credit bureaus, including Experian, means we can report your payment history directly to these bureaus.

<p>

Option 2

Synchrony Financial  Click Here to Apply

Up to 48 Months Interest-free financing

Eligibility Requirements

• Subject to credit check
• Requires great/good credit score
  
  

6 Months No Interest if Paid in Full

• Pay in full in 6 months and pay no interest
• No minimum purchase amount
• Instant Furniture Financing approvals

12 Months No Interest if Paid in Full

• Pay in full in 12 months and pay no interest
• Minimum Purchase of $1,000
• Instant Furniture Financing approvals

18 Months No Interest if Paid in Full

• Pay in full in 18 months and pay no interest
• Minimum Purchase of $2,000
• Instant Furniture Financing approvals

Longer Furniture Financing available subject to managers approval. Up to 48 months on large furniture purchases.

Option 3

American First Finance Click to Apply

Eligibility Requirements

• Social Security Number Or TIN
• Active Checking Account
• Valid ID

Approvals up to $5,000 No Credit Required

• Flexible ownership
• 101 Day Early Buyout Option
• Small processing fee may be required
• Works with all of our products (Furniture Mattresses etc..). American First Finance will purchase then lease to you
• Text "Shop" to 41806 to apply with our partners

Credit Reporting

• AFF Reports to credit bureaus to help build your credit

Rugs and all other items can be shipped within the Continental US. 

Most orders placed are in-stock and will be delivered within 10 business days of purchase. If the product is out of stock, it will be delivered within 30 days, usually less. If a product is out of stock, we will contact you immediately.

SHIPPING CHARGES:

Furniture & Mattresses:

• Local Delivery within 400 mile radius of 72764 zip code.
• Free curbside delivery.
• $79 for inside delivery.
• $149 for inside delivery and setup.

Rugs:

• Shipping available within the Continental US.
• Free delivery.

All Other Items (including Lighting and Home Decor):

• Shipping available within the Continental US.
• Free delivery.