Financing Options
Take It Home Today
for Just $10 Down
Financing available — most people qualify. Four simple ways to pay over time, no confusing fine print.
Four Ways to Pay Over Time
Pick the One That Fits Your Budget
Lease-to-Own · Most Popular
Lease it now, own it over time
- Take it home for $0 down
- Flexible scheduled payments
- An option for all credit situations
- Apply online in minutes
Or ask in store — we'll help you apply.
Lease-to-Own · Most Popular
Lease it now, own it over time
- Take it home with a small initial payment
- Flexible scheduled payments
- An option for all credit situations
- Apply online in minutes
Or ask in store — we'll help you apply.
Fast & Simple
Installments powered by Affirm
- Split your purchase into smaller payments
- Pay in 4 interest-free installments
- Monthly payment plans also available
- Check eligibility without impacting your credit score
Best for smaller purchases and quick approvals.
For Bigger Purchases
Extended financing options
- Ask about 6, 12 & 18-month no-interest options
- Longer-term monthly payment plans
- Higher credit limits for full-room purchases
- Built for higher-value orders
Best for full rooms and larger orders.
Side-by-Side Comparison
| Snap | Acima | Shop Pay | Synchrony | |
|---|---|---|---|---|
| Type | Lease-to-own | Lease-to-own | Installments | Financing |
| Approval speed | Fast | Fast | Instant | Fast |
| Credit check | All credit situations | All credit situations | Soft check to view options | Varies by application |
| How to apply | Online or in store | Online or in store | At checkout | At checkout or in store |
| Best for | $0 down, take it home today | Small initial payment | Smaller purchases | Full rooms, larger orders |
How It Works
From Cart to Couch in 4 Steps
Pick your furniture
Shop online or come walk the floor in Bakersfield.
Choose your plan
Snap, Acima, Shop Pay, or Synchrony — at checkout, or ask us in store.
Get approved
Quick application, decision in seconds.
Take it home
$10 down today — delivery and assembly available.
Questions About Financing?
Our team will help you pick the right option — in plain English o en español.
4200 Easton Dr Unit 4, Bakersfield, CA 93309 · Open Daily 11 AM – 7 PM