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Bring Home Luxury,
Pay Your Way

Furnish your home today — and pay over time with flexible financing options.

Kern Comforts Financing

Flexible Payment Options for Your Home

Get the furniture you need now and choose the payment option that fits your budget. Apply online, get approved, and complete checkout securely on our website.

How checkout works: Apply online, then return to checkout and use the same phone number from your application to complete your purchase.
1

Choose Your Furniture

Add your item to cart and review your total.

2

Apply Online

Get a quick decision through one of our payment partners.

3

Checkout Securely

Use the same phone number from your application at checkout to finish your order.

Choose Your Payment Option

Snap Finance Snap Finance Lease-to-Own
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  • No perfect credit required
  • Fast online application
  • Lease-to-own payment option
  • Approval amounts up to $5,000

Apply with Snap Finance online. Once approved, return to checkout and enter the same phone number used on your application to complete your purchase.

Get Approved with Snap Finance

After approval, continue shopping or return to checkout using the same phone number from your Snap application.

Acima Acima Lease-to-Own
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  • No perfect credit required
  • Fast online application
  • Lease-to-own option available
  • 90-day purchase option available
  • Approval amounts up to $5,000

Apply online, then use your approval toward eligible furniture purchases.

Get Approved with Acima

After approval, return to checkout and select Acima as your payment option. Use the same information from your approval to securely complete your purchase online.

Synchrony Synchrony Financing
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  • Good option for larger purchases
  • Promotional financing may be available
  • Quick credit decision
  • Monthly payment options

Best for customers looking to finance larger sectionals, bedroom sets, dining sets, or full-room purchases.

Shop Furniture

When you're ready, simply checkout and select Synchrony Financing to view available payment options and complete your purchase online.

Shop Pay Shop Pay Installments
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  • Available directly at checkout when eligible
  • Split your purchase into smaller payments
  • No separate application page needed
  • Good for small-to-medium purchases

Choose Shop Pay at checkout to view available installment options.

Shop Furniture

Need help choosing?

Most customers should start by choosing the furniture they want, then applying for the payment option that fits their budget.

Start Shopping

Sample Financing Comparison

Here’s a simple example of how each option works so you can choose what fits you best.

Option Best For Example Purchase How Payments Work
Snap Finance Lease-to-own / no perfect credit $500–$1,500 furniture order Apply online, get approved, choose your furniture, and make lease-to-own payments over time.
Acima Flexible approval / no perfect credit $800–$1,200 sectional Take it home today and make payments over time. 90-day early purchase option available.
Synchrony Larger purchases $1,200–$2,000 living room set 6–12 month no-interest financing with equal monthly payments if paid in full during the promo period.
Shop Pay Quick checkout / smaller purchases $400–$800 sofa Split into 4 interest-free payments or monthly plans directly at checkout.

Financing is available through third-party providers and is subject to approval. Terms, payment options, and approval amounts vary based on the provider and applicant.

Promotional offers such as no-interest periods or early purchase options may apply if balances are paid in full within the specified timeframe. If not paid within the promotional period, additional interest or lease costs may apply.

Kern Comforts does not determine approval decisions, interest rates, or payment terms. All financing agreements are between you and the selected financing provider.