Take it home today. Pay for it over time.
Three ways to finance your furniture and mattress, with options for different credit situations. Compare them below, then apply in minutes.
All financing is subject to approval.
Choose the financing offer that works best for you
Monthly payments with Affirm1
Pick a monthly plan and see your total cost before you agree. Checking your options won’t affect your credit score.
see more detailsWhat you need to qualify
No published minimum credit score. Each purchase is reviewed on its own. Rates from 0–36% APR based on credit. A down payment may be required.
100 days, no credit needed2
Lease-to-own with Snap. Pay the cash price plus taxes and fees within 100 days of signing.
see more detailsWhat you need to qualify
Perfect credit isn’t required. You’ll need steady income, an active checking account, and a valid government-issued ID.
12 months special financing3
No interest if paid in full within 12 months on qualifying purchases. Interest is charged from the purchase date if it isn’t.
see more detailsWhat you need to qualify
Credit approval required with a Synchrony credit card. Minimum purchase may apply. See details.
How it works
1. Pick an option
Compare the offers above. If you aren’t approved for one, you can try another. Each provider uses different criteria.
2. Apply
Every provider has its own short application. Most decisions come back quickly.
3. Shop and check out
Use your approval at checkout online, or let a team member know which option you chose when you’re in store.
Common questions
Which option should I choose?
It depends on your credit and how fast you plan to pay. Synchrony’s 12-month offer suits people with established credit who will pay the full balance within 12 months. Snap looks at more than a credit score and has a 100-day early-purchase window that can lower your total cost. Affirm suits people who want a set monthly payment and to see the total cost before they agree.
Will applying affect my credit score?
It depends on the provider. Affirm uses a soft check to show your options, which doesn’t affect your credit score. A Synchrony credit card application is a request for credit and may involve a hard inquiry. Snap explains how it reviews your application before you submit it. Read each provider’s disclosures first.
What’s the difference between lease-to-own and a credit card or loan?
With Snap’s lease-to-own, the provider buys the item and leases it to you. You don’t own it until you make all payments or use an early purchase option, and paying the full lease term costs more than the cash price. Synchrony is a credit card and Affirm is a loan, and both can charge interest at the rates in your agreement.
What if I’m not approved?
Providers use different criteria, so you can apply with another one. Ask a team member if you’d like help choosing.
1. Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR.
2. Snap Finance offers lease-to-own financing. Depending on where you shop, Snap may offer a lease-to-own agreement, an installment loan, or a retail installment contract through Snap’s affiliates or financing partners. Not all applicants are approved. 100-Day Option: to use it, make all regular payments on time and pay the cash price of the merchandise plus applicable taxes and fees within 100 days after you sign your agreement, through the Snap customer portal or by contacting Snap Customer Care. A processing fee or initial payment may apply. If you do not use an early purchase option, the total cost of your lease can be significantly higher than the cash price. Review your agreement for full terms.
3. Subject to credit approval. Credit is extended by Synchrony Bank. No interest if paid in full within 12 months on qualifying purchases made with your Synchrony credit card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months. Minimum monthly payments required. Depending on your purchase amount, promotion length, and payment allocation, the required minimum monthly payment may or may not pay off the purchase by the end of the promotional period. Regular account terms apply to non-promotional purchases and, after the promotion ends, to promotional purchases. For new accounts, the purchase APR, penalty APR, and minimum interest charge are shown in your application. Existing cardholders should see their credit card agreement for their applicable terms.
Cheap Sleep is not a lender or lessor. Offers, terms, and availability vary by provider, product, and store, and may change without notice.