✅ We Offer 4 Different Financing Programs

Most furniture stores offer 1-2 financing options. We offer 4 different programs, so if one denies you, we try another. This is why we approve 90% of applications.

Our 4 Financing Programs:

• Progressive Leasing: No credit check, 95% approval (income-based)
• Snap Finance: Bank account-based, 80% approval (soft credit pull)
• Acima: No credit check, 90% approval (similar to Progressive)
• Synchrony 0%: Traditional credit, 60% approval (for good credit 620+)

How It Works: You apply once. We submit to all 4 lenders. At least one approves you (90% of the time).

✅ Pre-Qualification with NO Hard Pull

What's a Soft Pull? A soft credit check that doesn't affect your credit score. We can check your approval odds without hurting your score.

How It Works:

1. Call 314-664-8233 and ask for soft pull pre-qualification
2. We check Progressive, Snap, and Acima (all soft pulls)
3. We tell you approval probability (e.g., "95% chance with Progressive")
4. You decide if you want to proceed (no obligation)

Guarantee: Soft pulls do NOT hurt your credit score. Only Synchrony does a hard pull (and only if you choose to apply).

How Furniture Financing Builds Credit

Which Lenders Report to Credit Bureaus?

• Snap Finance: ✅ Reports to all 3 bureaus (Experian, Equifax, TransUnion)
• Synchrony: ✅ Reports to all 3 bureaus
• Progressive Leasing: ❌ Does NOT report
• Acima: ❌ Does NOT report

Credit Score Improvement Projection:

• Month 1-3: New tradeline added (+10-20 points)
• Month 4-6: On-time payment history (+20-30 points)
• Month 7-12: Positive payment history (+30-50 points)
• Total Improvement: 60-100 point increase over 12 months (with on-time payments)

Example: Start with 520 credit score. Make 12 on-time payments with Snap Finance. End with 580-620 credit score.

If All 4 Lenders Deny You (Rare, but Possible)

Alternative Financing Options:

• Layaway: 20% down, 90 days to pay, no interest, no credit check
• $1 Down Program: Pay $1 today, rest over 12 months (special program)
• Cash Discount: Pay cash and get 5% discount (save money, no credit needed)
• Co-Signer: Bring someone with good credit to co-sign (increases approval odds)

Why Denial Happens: Usually due to recent bankruptcy (less than 1 year old), no income, or too many NSF fees on bank account.

Rent-to-Own vs. Legitimate Financing (Know the Difference)

Rent-to-Own (Aaron's, Rent-A-Center):

• ❌ You pay 2-3x the retail price (e.g., $1,000 sofa costs $2,500 total)
• ❌ Weekly payments (expensive, hard to budget)
• ❌ They can repossess furniture if you miss one payment
• ❌ Doesn't build credit (doesn't report to bureaus)

Legitimate Financing (Progressive, Snap, Acima):

• ✅ You pay retail price + small fee (e.g., $1,000 sofa costs $1,100-$1,200 total)
• ✅ Monthly or bi-weekly payments (easier to budget)
• ✅ You own furniture after final payment (can't be repossessed if you're making payments)
• ✅ Some build credit (Snap reports to bureaus)

Warning: Avoid rent-to-own stores. They're predatory. Use legitimate financing instead.

"I Got Approved with a 480 Credit Score" - Maria, Tower Grove

"I was denied at Ashley Furniture and American Freight. My credit score is 480 from medical bills. Sit N Sleep got me approved with Progressive Leasing in 10 minutes. I got a sectional for $1,099 and paid it off in 90 days (same as cash). No interest!"

"Bankruptcy Approved" - James, Soulard

"I filed bankruptcy 2 years ago. Credit score is 520. I thought I'd never get approved for furniture. Sit N Sleep got me approved with Snap Finance. I'm rebuilding my credit with on-time payments. My score went from 520 to 580 in 6 months!"

"No Credit History Approved" - Sarah, Tiffany

"I'm 22 with no credit history. Never had a credit card or loan. Sit N Sleep got me approved with Acima in 5 minutes. I got a bedroom set for $1,299. Now I'm building credit for the first time!"