At Your Furniture 4 Less, there are many ways to pay!

We offer up to 60 months zero-interest financing with Synchrony Bank. Keep your home goods purchases on their own line of credit while keeping your cash for emergencies and every day living expenses. Easily manage your account online with Synchrony and make payments monthly!

We also offer no-credit financing through Merchant’s Preferred. You can easily apply and be approved for $300 up to $3000 of funds to use on your furniture purchase. Monthly payments are deducted directly from your checking account, no need to worry about making a payment on time.

​If needed, we also offer in-store layaway. With our in-store layaway program, we expect a biweekly payment on your balance while we house your furniture in our warehouse. Once your balance is paid in full, we can deliver or offer warehouse pick up of your items.

Accepted forms of payment also include cash, local checks, Visa, Mastercard, and Discover.

​Call us for more information on your financing needs.

Open an account, shop, and pay your way!*

Fast and simple approval process
Free up your cash-on-hand to make other purchases
Use anywhere Synchrony Home is accepted!

No credit needed to be approved

No Credit Needed¹

We believe most of us are better than our credit histories. We are committed to seeing one’s true potential by looking beyond a credit profile.

(1) The advertised service is a rental or lease purchase agreement provided by Acima. It is not a loan, credit or financing. While no credit history is required, Acima obtains information from consumer reporting agencies in connection with a lease application. Acima Cash Price includes a markup over invoice price. Acquiring ownership by leasing costs more than the retailer’s cash price. Not available in MN, NJ, WI, or WY. Merchant participating locations only. Not all applicants are approved. See lease for details

Instant Decisions

Our proprietary technology will issue an immediate approval decision upon the completion of a brief online or mobile application.

Easy Payment Options

Get what you need today. We offer tailored payment schedules paired with early purchase incentives.



Have A Question?

Give us a call!

We can assist you with any of your financing questions and you can even apply over the phone.

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