Ways to Pay
Take it home now and pay over time. There are two kinds of plans: monthly payments based on your credit, or lease-to-own with no credit needed. Here's how every option compares.
Pay monthly
Credit-based plans you choose at checkout. You'll see your rate and payment before you commit.
Affirm
Monthly payments- Rate0% to 36% APR, based on your credit. 0% for qualified buyers.
- CreditChecking your options won't affect your credit score.
- PaymentsFixed monthly amount. You know the total up front.
- How to applyChoose Affirm when you check out online.
Shop Pay Installments
Split it at checkout- RateInterest-free pay-in-4, or monthly plans. Subject to eligibility.
- CreditProvided by Affirm. Checking won't affect your credit score.
- PaymentsEvery two weeks (pay-in-4) or monthly.
- How to applyChoose Shop Pay when you check out online.
Lease-to-own, no credit needed
These look at your income and banking history, not just a credit score. You lease the furniture, take it home right away, and own it when the payments are done. Paying it off early is the cheapest way to use any of them.
Snap
Apply online in minutes- To startAbout $39, and it goes home with you today.
- CreditAll credit welcome. Decision in seconds.
- Pay it offWithin 100 days to stay close to the sticker price. The full 12 to 18 month term costs more.
- How to applyOnline now, or text us.
Acima
Payments on your payday- Approval$300 to $5,000.
- You'll needA checking account with $750+ a month in income for 3 months, plus a photo ID and SSN or ITIN.
- Pay it offBuy it out early at a discount. The sooner, the more you save.
- How to applyText us and we'll send your application.
Koalafi
Can help build credit- ApprovalUp to $7,500.
- CreditLooks beyond your score. On-time payments are reported and may help build credit.
- Terms12 or 24 months, with options to buy out early.
- How to applyText us and we'll send your application.
Lease-to-own in plain English
- It's a lease, not a loan.The provider buys the furniture and leases it to you. Once the payments are done, it's yours.
- Early payoff saves the most.Buying it out early keeps your total close to the sticker price.
- The full term costs more.Carrying the lease to the end costs more than the sticker price. Every number is in your agreement before you sign.
- No surprises.You'll see your payment schedule and total cost up front.
Common questions
Which option should I pick?
If your credit is good or fair, start with Affirm or Shop Pay at checkout. Checking your rate won't affect your score, and you may get 0% APR. If credit is a worry, go lease-to-own. Snap takes a few minutes online, and we can help you apply for Acima or Koalafi by text.
Will applying hurt my credit?
Checking your options with Affirm or Shop Pay won't affect your credit score. Lease-to-own providers look at more than your score. Your agreement will explain exactly what's checked and reported.
How much do I need to start?
With Snap it's about $39 to start. Acima and Koalafi start with an initial payment that's shown in your agreement. With Affirm and Shop Pay, your first payment is shown at checkout.
Can I pay it off early?
Yes. Every option lets you pay early, and with lease-to-own, paying early is how you save the most.
Can I apply in the showroom?
Yes. Stop by 556 Arbor Hill Rd, Suite J in Kernersville, Monday through Saturday, 10 AM to 6:30 PM, and we'll walk you through it.
Not sure which one fits?
Text us and we'll help you pick the right plan for you.
Affirm: rates from 0 to 36% APR. Payment options through Affirm are subject to an eligibility check and may not be available in all states. Shop Pay Installments are provided by Affirm and subject to eligibility.
Snap, Acima and Koalafi offer lease-to-own transactions, not loans, credit or financing. Not all applicants are approved. Approval amounts, initial payments, early purchase options and total cost to own vary and are disclosed in your lease agreement before you sign. Amounts shown here, including "about $39 to start," are estimates. See your agreement for exact figures.