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We offer a range of flexible financing options tailored to your specific needs.

We're here to make your furniture shopping experience as flexible and stress-free as possible because we understand that everyone's financial situation is unique. That's why we offer a range of flexible financing options tailored to your specific needs.

How it works?

  • Fill your cart.

    Add your desired products to the cart and place your
    order today.

  • Choose payment.

    Submit an online application and receive your result within minutes.

  • Pay over time.

    Own the product of your dreams with monthly payment options that fit your budget.

Credit worries? No problem.

Don't let a less-than-perfect credit score hold you back. Snap Finance offers lease-to-own financing, empowering those with credit challenges to get what they need, now.

Flexible finance solutions to suit your needs.

In-Store & Online

  • No credit needed.
  • Quick application process.
  • The application does not affect your credit score.
  • 100-Day option with no interest.
  • High-interest rates and fees may apply.


Big purchase or unplanned expense? Snap Finance can help. 

Snap offers lease-to-own financing that empowers credit-challenged shoppers with the buying power to get what they need, now. Snap was founded on the principle that you should thrive with financing that’s accessible, affordable, and completely transparent. The application is easy, and you’ll find out in seconds if you’ve been approved.

To apply, you’ll need to:

  • Be of legal age to enter into a contract
  • Have a steady monthly income
  • Have an active checking account
  • Provide a valid email address and phone number 

That’s it! You can apply online or we can help you in-store. Snap offers flexible payment options that fit your pay schedule, so it’s convenient too! With approvals up to $5,000 – get what you need today with Snap!

Benefit from good credit.

Enhance your home effortlessly with Synchrony's financing options, designed for your convenience. Discover the variety of our promotions, knowing that a good credit score offers valuable benefits.

Apply today, take time to pay.

In-Store & Online

  • Equal payment promotions.
  • Deferred interest promotions.
  • Fixed pay promotion.
  • Good credit score is needed.
  • High-interest rates and hidden fees may apply.


With promotional financing from Luna Furniture, major purchases don’t have to wait. Get what you want now and pay over time.*

How it works:

Applying is convenient, fast and safe!

  • Fill out a secure online application.
  • You’ll get an instant credit decision after you submit the application.
  • If you’re approved, you’ll receive a temporary account number so you can start shopping right away.

*Subject to credit approval.

You shop, you choose how to pay.

We've partnered with various trusted providers to offer you convenient payment options at checkout, allowing you to make your desired purchases on your terms. Checkout is simple and stress-free, enabling you to buy now and pay later, spreading the cost over time.

Buy now, pay over time.


  • No hidden fees—ever.
  • What you see is what you pay.
  • Set up easy, automatic payments.


Pay over 3, 6, or 12 months. Your rate will be 0% APR or 10-36% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners Options depend on your purchase amount, and a down payment may be required. Checking your eligibility won’t affect your credit score, and you’ll get a decision right away.

For a $500 purchase, here's what you might pay:

  • 3 months - $173/mo - Interest (20% APR) $18 - Total $518
  • 6 months - $89/mo - Interest (20% APR) $30- Total $530
  • 12 months - $47/mo - Interest (20% APR) $57- Total $557

Your rate will be between 0–36% APR. This is just an example.

Sample calculation can be found at the product page.

Get it now, pay later.


  • No hidden fees.
  • No interest or late fees.
  • No impact on your credit score.


Pay in full at checkout or split your purchase into 4 equal installments. Shop Pay Installments allows you to pay for orders between $50 USD and $1,000 USD in 4 interest-free installments.

Make debit or credit card payments every two weeks or turn on automatic payments.

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

Get what you love,choose how you pay.


  • Interest-free options.
  • Possible credit check.
  • No interest or added fees when you pay on time.


We’ve partnered with Klarna to provide you with easy payment options at checkout, so you can buy what you want, when you want. It’s smooth and simple Select Klarna at checkout to buy now and pay later. Spread the cost of your purchase over time with convenient, stress-free payment options. It is easy, safe to use, and you’re always covered by Klarna’s Buyer Protection.

4 interest-free installments
Split your purchase into 4 equal payments so you can spread the cost of your purchase over time. Enter the credit or debit card of your choice for automatic payments every two weeks. No interest or added fees when you pay on time!  See payment terms.

Monthly financing*
Apply for easy monthly financing directly in the checkout. A simple, 2-step application will provide an instant approval decision. Once you’ve been approved, you’ll receive reminders and can manage your payments directly in the Klarna App.

Making payments
Review your latest purchases and pay any open balances by logging into your Klarna account at You can also chat with Klarna customer service 24/7 in the Klarna App.

Safe and secure
Klarna uses the latest safeguards and security to protect your information and prevent unauthorized purchases. You have zero fraud liability with Klarna’s Buyer Protection policy.

*Monthly financing through Klarna issued by WebBank, member FDIC. Other CA resident loans made or arranged pursuant to a California Financing Law license.

Shop now. Pay better. Choose Afterpay.


  • Pay it in 4 interest-free installments.
  • Pay over 6 weeks.
  • No fees when you pay on time.


Get everything you need now.
Create your dream home by choosing from thousands of options in the online store.

Pay over six weeks.
Make the first payment upfront and the rest over time. Always interest-free when you pay it in 4.

No fees when you pay on time.
We’ll send you reminders and cap late payments to help you get back on track.

Plan, pay, possess.

Transform your furniture dreams into reality with our Layaway Program, offering the convenience of flexible payments.

Layaway Program


  • No credit needed.
  • No hidden fees.
  • Equal payment convenience.


We offer a 90-day layaway program with a 30% deposit. The amount owing after the deposit will be divided into 3 payments which must be made every month.Visit our store for more details about our Layaway Program.

We are here for you.

For any questions about financing options, please contact us.