Furniture Financing Made Simple: Your Options Explained

New furniture is an investment, and not everyone wants to pay for a whole room at once. That's why we offer several ways to spread out the cost. Here's a quick, plain-English look at how each option works so you can pick the one that fits your budget.

Synchrony financing

With a Synchrony credit account, you can take advantage of special financing promotions on qualifying purchases. It works like a store credit card: you apply, and if approved you get a credit line you can use for your purchase. Promotions change throughout the year, so ask our team what's currently available. Approval and terms depend on your credit.

Best for: bigger purchases like a full living room or bedroom set.

Pay over time at checkout

This option lets you split your purchase into smaller scheduled payments right at checkout. You'll see your payment plan before you agree to anything, so there are no surprises. Eligibility and approval are determined by the provider.

Best for: a fast, simple checkout with a clear payment schedule.

Lease-to-own

If your credit is still being built or rebuilt, lease-to-own can be a way to bring furniture home now. You make an initial payment and then regular lease payments, with the option to own the furniture. Keep in mind that lease-to-own is not a loan or credit, and the total cost is usually higher than the retail price, especially if you take the full lease term. Many plans offer early purchase options that lower the total cost.

Best for: shoppers who need a no-credit-needed option.

Tips before you apply

• Set a monthly budget first, then shop within it.
• Read the terms carefully, including how long any promotional period lasts and what happens when it ends.
• Paying more than the minimum can help you finish sooner and save money.
• Ask us questions. We're happy to walk you through each option.

See all the details on our Financing page, contact us, or stop by our Jacksonville showroom at 10300 Southside Blvd.

All financing and lease options are subject to approval by the provider. Terms, rates and availability vary.