The New Way to
Get Furniture

Pay over time to lease and own the best styles.
Build your credit history for free.

Shop by Department

Get Approved
In 2 Minutes

See if you’ll be approved instantly for free with no hit to your credit score. Checkout and start your lease for just $35.

Purchase At
Your Own Pace

Pick the purchase option that works for you—from 90 days to 17 months. The earlier you purchase the more you save.

Build Your
Credit History

No credit history? No worries. We report your on-time payments to all three major credit bureaus (Equifax, Experian and Transunion) to help boost your credit score.

Simple, Automatic Payments

Get paid weekly, biweekly, semi-monthly, or monthly? Easy payment options and automatic withdrawals accommodate your payday schedule.

Say Goodbye
to Hidden Fees

We’ll never surprise you with hidden fees. There are no application fees, no purchase fees, and no fees to build credit.

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Frequently Asked Questions

  • Be 18 years old or older
  • Have an active checking account with at least $1,800 of income per month
  • Have at least three months of income history with your current source of income
  • Have a government-issued photo ID, and a social security number or Individual Taxpayer Identification Number (ITIN)

If you’ve got all those things, great! Get started and we’ll let you know within seconds if you’re approved!

While we may receive your consumer report and credit score, we look at multiple data points in order to make a final decision, and we regularly approve customers who have less than perfect credit history. All you need to do to get started is provide some personal information and meet some basic income requirements.

You can be approved for items valued up to $5,000.

The 90 day purchase option provides your lowest early purchase option price. In the 90 day period after your items are delivered, you can purchase the item by paying the difference between the payments you’ve already paid and the retail price shown on your agreement at any time before 90 days are up. You end up owning it for the original retail price, plus tax, of course.

You can purchase the merchandise at any time after you receive it.

Any time after the first 90 days, you can purchase the merchandise by paying 50% of your remaining total cost of lease. This lets you purchase the property before the end of the 17 months of lease renewal payments at a discount.

You can also make lease payments for 17 months and you will own the merchandise! If you elect not to purchase the merchandise through one of these options, you may terminate the lease at any time without penalty.

You are not automatically enrolled in an early purchase option at lease inception. To purchase early or schedule payments to exercise a 90-day purchase option, log in to your account.

The due dates of your renewal payments are based on your pay days.