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Furniture Financing

Furniture Financing

With flexible furniture and mattress financing and leasing from FFO Home, you can enjoy your new furniture today! We make it easy to apply and get approved with custom financing and leasing solutions that fit your budget needs with no-credit-needed options available.

We’re proud to offer digital versions of the financing and leasing options you have in-store so you can explore each option at your convenience to find the right one to meet your needs. If you're looking to rebuild credit, or just need a reasonable payment plan for your furniture purchases, consider applying online today. Once approved, simply bring in your approval amount and terms into any FFO Home location to simplify the purchasing process.

Still have questions? Ask an associate in-store for more details. We’re always happy to help.

Special Financing for 60 months available today with Synchrony!

Financing Options


$0 Down, No Interest for 60 Months**

On purchases of $2,899 or more made with your FFO Home credit card from 11/5/19 - 12/3/19. No down payment required. 60 equal monthly payments required. See stores for details.

No interest if paid in full within 6, 12, 24 or 60 Months*

On qualifying purchases made with your FFO Home credit card from 11/5/19 - 12/3/19. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 24, or 60 months. Minimum monthly payments are required.

Any purchase qualifies for the 6 and 12 month offers
Purchases of $1,900 or more qualify for the 24-month offer
Purchases of $2,899 or more qualify for the 60-month offer

**Qualifying purchase amount must be on one receipt. No interest will be charged and equal monthly payments are required on promo purchase until it is paid in full. These payments equal the total promo purchase amount divided by the number of months in the promo period and rounded up to the next whole dollar. These payments may be higher than ther payments that would be required if this purchase was a non-promo purchase. Regular account terms apply to non-promo purchases. For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

*Qualifying purchase amount must be on one receipt. No interest will be charged on the promo purchase if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo purchase from the purchase date. The required minimum monthly payments may or may not pay off the promo purchase by the end of the promo period. Regular account terms apply to non-promo purchases and, after promo period ends, to the remaining promo balance. For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

Apply Now

Already an FFO Home cardholder? Manage Your Account

American First Finance Logo

Available in Missouri, Kentucky, Indiana, Arkansas, Oklahoma, Texas, Tennessee and Mississippi.

Take your furniture home for $0 down with 90 day same as cash, 12 month or 24 month terms available, and make equal payments on a weekly, bi-weekly, or monthly basis to fit your income schedule. No credit needed options available. Early purchase options are also available with no penalty.

See Details

Leasing Options

Our leasing options are perfect for those looking to build-up or rebuild credit. Pay as you go with payments catered to your budget. Click SEE DETAILS to review full terms and conditions from each vendor.

Acceptance Now Logo

Take home the furniture you want today without the need for credit.

  • Pay as you go. Just make low monthly payments that fit your budget.
  • Build your credit. Every on-time payment helps build your credit history.
  • Service is included at no extra charge. Enjoy your furniture with no worries.
  • Pay in-person, by phone, or online.
  • 90-day purchase option available.
See Details