No Credit Needed.
Everyone Qualifies.
Don't let credit stop you from getting the home you deserve. We offer multiple financing options including NO CREDIT CHECK programs designed for every situation.
Call to Apply: (708) 998-1540Financing Options
Choose the plan that works best for your situation.
No Credit Needed
Perfect if you have no credit or poor credit history. Get approved today.
- No credit check required
- Instant approval decision
- Flexible weekly/monthly payments
- No hidden fees
- Minimum income verification
- All furniture eligible
Traditional Financing
Great credit? Get even better rates with our traditional financing partners.
- 0% APR promotional periods
- 6–60 month terms available
- Low interest rates
- Higher purchase limits
- Build your credit score
- Online account management
Choose Your Financing Partner
Apply directly with any of our trusted financing partners below — no credit needed, instant decisions, and flexible payment plans.
SNAP Finance
Lease-to-own, no credit needed. $300–$5,000 approval, decision in seconds.
Apply NowAmerican First Finance
Buy now, pay later. $300–$5,000 with imperfect credit. 100-day interest-free option.
Apply NowPRG
Lease-to-own program with early purchase options. No credit needed to apply.
Apply NowKoalafi
Simple lease-to-own financing. Koalafi buys your furniture upfront, you pay over time.
Apply NowSynchrony Bank
Synchrony HOME Credit Card. No annual fee, promotional financing on $299+ purchases.
Apply NowPrefer to apply by phone? Call us at (708) 998-1540 and we'll guide you through the process.
How It Works
Getting financing is simple and fast.
Browse & Choose
Shop our showroom or online. Pick any furniture you love — no limitations.
Apply In Minutes
Fill out our simple application in-store or by phone. No credit check required.
Get Approved
Instant decision. Most customers are approved on the spot with flexible payment terms.
Take It Home
Schedule same or next-day delivery. Your new furniture arrives fast.
Common Questions
What is 'No Credit Needed' financing?
Our No Credit Needed program doesn't require a traditional credit check. Approval is based on income verification and ID. Almost everyone qualifies.
How much can I finance?
You can finance a wide range of amounts depending on the program and your income. Call us for a personalized estimate.
How long does approval take?
Most customers get approved in under 10 minutes — either in our store or over the phone.
Can I pay off early?
Yes! There are no prepayment penalties. Pay off your balance early and save on any remaining fees.