A warm living room with a comfortable sectional and tall sunlit windows

Financing & lease-to-own

Yes. You have options.

Financing for good credit, building credit or no credit history. Compare your options and find a payment path that fits.

Find my financing option

Credit approval and program terms apply. Explore your options before you apply.

$0 down

On qualifying credit offers

Up to 60 months

Select Synchrony promotional offers

Flexible options

Credit, lease-to-own and layaway

2 showrooms

Southfield & Detroit

Four ways to pay

Financing for the way you shop.

Compare credit financing, lease-to-own and in-store layaway. We'll help you understand the options and choose your next step.

Promotional credit financing

Synchrony HOME

$0 down. Promotional financing up to 60 months.

  • 0% promotional offers for qualified buyers
  • Qualifying purchases and current offer terms apply
  • Subject to credit approval
Apply with Synchrony
Learn more Synchrony HOME

Explore current promotional financing on qualifying purchases with Synchrony HOME. Available terms, purchase requirements and credit limits depend on the offer and credit approval.

Your card agreement and promotional disclosures govern. Deferred-interest offers differ from a true 0% APR offer and may charge interest from the purchase date if the promotional balance is not paid in full by the deadline. Ask our team which offer applies to your purchase.

Second-look credit options

Fortiva Retail Credit

$0 down, $500 minimum. Ask about current 6- and 12-month promotional payoff options.

  • Additional credit options for a range of credit profiles
  • In-store application with help from our team
  • Subject to approval and account terms
Apply in store
Learn more Fortiva Retail Credit

Fortiva Retail Credit is a credit product, not a lease. Our team can explain the current 6- and 12-month promotional payoff options and the terms that apply to your purchase.

Applications are handled in store. Approval, credit limits and account terms vary. Review the current promotion and credit agreement for interest, fees and payoff requirements.

No-credit-needed options

Lease-to-own

Options from UOWN, Kafene, Acima, Snap Leasing & Progressive Leasing.

  • Options for limited or imperfect credit history
  • Payment schedules and initial payments vary by provider
  • 90, 100, or 120 Day early purchase option, depending on provider and agreement
Explore lease-to-own
Learn more Lease-to-own

Lease-to-own lets eligible customers use merchandise while making lease payments. It is not a loan. Ownership requires completing the purchase requirements in your lease, and leasing costs more than buying with cash.

No credit needed does not mean everyone is approved or that no checks apply. Provider eligibility, checking-account requirements, initial payments and payment schedules vary. Early purchase options of 90, 100, or 120 days may be available, depending on the provider and agreement. Ask about availability, required action, total cost and any fees. Our form is a request for assistance, not an approval.

Plan now. Pay before pickup.

In-store layaway

Start with 10% down. Pay in full within six months.

  • Lock in your purchase price
  • Pay toward your furniture over time
  • Merchandise is not reserved until paid in full
View layaway details
Learn more In-store layaway

Layaway holds your price while you pay your balance within six months. It does not reserve stock, and fulfillment begins after payment in full.

Payments are nonrefundable. Changes generally incur a $50 charge and convert payments to store credit. Read the full layaway terms for cancellation, refund, changes and fulfillment details before enrolling.

The details, side by side

Compare your options.

Different programs work in different ways. Here's a starting point for your conversation with our team.

Credit financing, lease-to-own and layaway program comparison
What to knowSynchrony HOMEFortiva Retail CreditLease-to-ownIn-store layaway
Program typeCredit accountCredit accountLease with a purchase optionPay before fulfillment
Getting started$0 down on qualifying purchases$0 down; $500 minimum purchase$0 to $52 Initial Payment vary by providerAt least 10% down
Payment timingMonthly, under your account termsMonthly, under your account termsProvider-specific schedulesBalance due within six months
EligibilitySubject to credit approvalSubject to credit approvalProvider approval and requirements applyStore layaway terms apply
Keep in mindQualifying promotional offers up to 60 months; current terms governAsk in store about current 6- and 12-month promotional payoff optionsTotal lease cost exceeds the cash pricePrice held; stock not reserved until paid in full

This is a general comparison. Availability and terms vary. Read the full agreement and ask about the total cost before choosing a program.

From inspiration to your living room

Three simple next steps.

  1. Find the pieces you love.

    Browse online or visit a showroom. Bring your room measurements and a purchase budget to help narrow your choices.

  2. Explore your payment options.

    Review the programs, ask about current offers and apply through the correct provider or in store. Eligibility and approval requirements vary.

  3. Review the details. Plan delivery.

    Confirm the full cost and agreement before proceeding. Our team can explain fulfillment and delivery timing. Layaway fulfillment starts after payoff.

A fresh start for every room.

A spacious furniture showroom with sofas and room displays

Apply in person

Two showrooms. One helpful team.

Visit us in Southfield or Detroit to compare your options and apply with help from our team. No appointment needed.

A few things you may be wondering

Questions? Let's make it clear.

A little clarity helps you choose confidently. Our local team is here when you need more detail.

Talk with our team
Will I be approved?

Approval is not guaranteed. Credit and lease-to-own providers make their own eligibility decisions. Our team can explain available programs, but only the provider can confirm approval and terms.

What if I have limited or imperfect credit?

Fortiva Retail Credit and lease-to-own may offer additional options, subject to their requirements. No-credit-needed lease programs can still use consumer-report or other eligibility checks, and checking-account requirements vary. You can also ask about in-store layaway.

Are the calculator payments an actual offer?

No. The 60-, 48- and 24-month options illustrate equal monthly payments at 0% interest by dividing the purchase amount by the selected term. The 12-month option shows only an estimated minimum monthly payment of 3.5% of the original purchase price. That percentage is a payment calculation, not an interest rate, and minimum payments alone do not pay off the purchase within 12 months.

The illustrations exclude taxes and fees and are not a provider quote. Interest may apply under your account terms. Your actual payment and terms depend on the approved offer and agreement.

What is the difference between credit and lease-to-own?

Synchrony and Fortiva are credit products with account terms. Lease-to-own is a lease with purchase requirements; ownership is not automatic when the item is delivered, and the total cost is greater than the cash price. Review the agreement for the full cost and any early-purchase option.

Can I take my furniture home while paying layaway?

No. Layaway requires payment in full before fulfillment starts. A minimum 10% down payment holds your price for up to six months, but merchandise is not reserved until payoff. Read the layaway terms for cancellation, refund and delivery timing.

Where can I get help with an application?

Visit our Southfield or Detroit showroom to talk with our team. Fortiva applications are handled in store. Use the Synchrony application link for Synchrony, or the lease-to-own request form to ask about available lease options. You can also contact us before your visit.

Let's bring it home

Your next chapter starts with a comfortable home.

Find the pieces you love. We'll help you explore the payment options that are available for your purchase.

Find my financing option Talk with our team

All credit offers are subject to credit approval, qualifying purchase requirements and current account terms. No approval or credit limit is guaranteed. Program and promotion availability may change. Application links lead to separate provider sites or the store's request form; submitting a request is not an approval.

Synchrony promotional financing up to 60 months and Fortiva 6- and 12-month promotional payoff options are subject to the current applicable offer. Deferred-interest promotions are different from true 0% APR offers: interest may be charged from the purchase date if the promotional balance is not paid in full by its deadline. Minimum payments may not pay off a promotional balance in time. Review your own agreement and disclosures.

Lease-to-own is not a loan and costs more than paying cash. Ownership requires completing the purchase terms. Provider eligibility checks, checking-account requirements, initial payments, schedules and early-purchase options vary. Early purchase options of 90, 100, or 120 days are available only where offered by the provider under the applicable agreement and may require additional payments or fees.

Layaway requires at least 10% down and payment in full within six months. The price is held, but merchandise is not reserved until payoff. Payments are nonrefundable, and changes may incur charges or store-credit treatment. Fulfillment begins after payoff. Read the full layaway, cancellation and refund terms.