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Furniture Financing

Good credit? Bad credit? No credit? No problem! We have several furniture financing options catered to various credit backgrounds.



Money does not grow on trees. The other option is to finance your furniture purchase.

Good credit? Bad credit? No credit? No Problem!

We have several financing options to help with your furniture budget.


1) Synchrony Financial Furniture FinancingPrimary financing through Synchrony Financial (formerly GE Capital). Subject to credit approval. No down payment required at time of purchase except for tax and delivery, and deferred interest promotions for terms of 6 months, 12 months, and 18 months (No interest if balance is paid in full by due date. However, interest will be charged to your account from the purchase date if the promotional purchase is not paid in full by the due date or if you make a late payment. On any purchase, minimum monthly payments are required. Purchase APR is 29.99%; minimum interest charge is $2. Subject to credit approval.) No interest promotional terms up to 60 months are available. See our store in Citrus Heights for details.


2) Less than good credit financing through Easypay. Subject to credit approval. No down payment required, except that tax and delivery are due at time of purchase. You must earn at least $1000 per month, a checking account in good standing, and a credit score above 470. Pay off balance within 90 days and pay no interest! Other conditions apply. See our store in Citrus Heights for details.

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3) No credit needed financing through FlexPay Plus. If you have no credit, bad credit, bankruptcy… whatever your credit situation is… you can still qualify! See our store in Citrus Heights for details.

no credit needed financing
  • Up to $2500 of Credit
  • Easy Monthly Payments
  • Automated Deductions
  • Access credit with no credit needed

90 Days Payoff Option

Should buyer elect to prepay the contract in full within the first 90 days of the contract, buyer shall receive a rebate of all finance charges. If within the first 90 days any scheduled payments are not made on a timely basis or any payments are returned for any reason, the 90 Day Payoff Option shall not be available to buyer and interest shall be computed and assessed from the date buyer signed this contract.

Approval requirements*:

  • Down Payment

A down payment is required at the time the application is signed. The down payment varies depending on the amount of the sale.

  • Valid Personal Checking or Savings Account

Applicant must have a valid personal checking or savings account in their name.

  • Valid Government Issued ID

This can be a Drivers License, ID Card, Passport, Matricula Card, Military ID, or other government ID

  • Valid Social Security Number

*Kahuna Payment Solutions (FlexPay PLUS) reserves the right to deny any contract.