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The owners are very kind. We got alot of our furniture for a great price and great deals. The owner is very helpful a...
What ever you want and for what ever price he will make it happen. He’s so nice and genuine. He makes you smile and l...
3722 S Grand Blvd, St Louis, MO 63118
3722 S Grand Blvd, St Louis, MO 63118

Furniture Financing STL | No Credit Needed | Apply in 60 Seconds

šŸ’³ Furniture Financing Made Simple in St. Louis

Get Approved in 60 Seconds | 80% Approval Rate | 0% Financing + No-Credit Options Available

šŸ“ž Call (314) 664-8233 Now
āœ“ 5 Financing Options āœ“ Apply in 60 Seconds āœ“ 80% Approval Rate āœ“ Bad Credit OK āœ“ No Hidden Fees

Choose Your Best Financing Option

We work with 5 top financing partners to get you approved. Compare options below and apply instantly.

Snap Finance

No credit? No problem! Get approved with just a bank account and income verification.

  • No credit needed
  • Approval in seconds
  • Lease-to-own options
  • Up to $5,000 approval
  • 90% approval rate

Example: $2,500 Bedroom Set

~$125/month 24 month lease
Snap Finance - Apply Here

Acima Leasing

Flexible lease-to-own with fast approval. Bad credit or no credit accepted!

  • No credit needed
  • Instant online approval
  • Up to $5,000 available
  • 90-day early buyout option
  • English & Spanish support

Example: $1,500 Mattress

~$75/month 24 month lease
Apply with Acima →

Progressive Leasing

Flexible payment options with no hidden fees. Own it in 12 months or less!

  • No credit needed
  • Approval in seconds
  • Up to $4,000 instant approval
  • 90-day purchase option
  • Available nationwide

Example: $2,000 Dining Set

~$100/month 12-24 month lease
Apply with Progressive →

Kafene

Kafene Leasing

New financing partner! Easy approval process with flexible payment plans.

  • No credit needed
  • Fast approval
  • Text to apply: 40549 to 57597
  • Flexible payment plans
  • Early buyout options

Text Code to Apply

40549 Text to: 57597
Apply with Kafene →

āš ļø Important Financing Disclosures

Synchrony 0% Financing: Subject to credit approval. 0% APR for qualifying purchases. Interest will be charged from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required. Valid government-issued photo ID required. See store for complete details.

Lease-to-Own Programs (Snap, Acima, Progressive, Kafene): These are lease agreements, not credit or financing offers. You do not own the merchandise until the total cost is paid or you exercise an early purchase option. Lease-to-own costs more than the retail price. Total cost and payment amounts vary by provider. Early purchase options available - see each provider's terms. No credit needed, but bank account and income verification required. Not available in all states. See individual provider websites for complete terms, conditions, and state availability.

Approval Rates: Stated approval rates are estimates based on historical data and are not guaranteed. Actual approval depends on meeting lender-specific requirements including but not limited to: active bank account (typically 90+ days), verifiable income (typically $1,000+/month after taxes), valid government ID, and current address verification.

Payment Examples: All payment examples shown are estimates for illustrative purposes only. Actual payments will vary based on approved amount, payment term, applicable fees, taxes, and delivery charges. Monthly payment estimates assume maximum lease term and do not reflect early purchase options which may reduce total cost.

Same-Day Delivery: Subject to product availability, delivery area, and order cutoff times. Additional delivery fees may apply. Contact store to confirm same-day delivery availability for your area.

šŸ’° Payment Calculator

Estimate your monthly payment based on your purchase amount

$104/month

Estimated Monthly Payment

*With 0% APR financing. Actual payment may vary based on financing option, fees, taxes, and approval terms.

How Financing Works (4 Simple Steps)

1

Choose Your Furniture

Browse our showroom at 3722 S Grand Blvd or shop online. Find exactly what you need for your home.

2

Apply Online or In-Store

Takes 60 seconds. Get instant approval decision. Soft credit check won't impact your score.

3

Get Approved

80% approval rate. We work with 5 lenders to find you the best option for your situation.

4

Take It Home Today

Same-day delivery available! Start enjoying your new furniture immediately.

āœ“ Tips to Get Approved Faster

āœ“ Before You Apply, Make Sure You Have:

  • āœ“ Valid Government ID (Driver's License, State ID, or Passport)
  • āœ“ Proof of Income (Recent pay stub, bank statement, or tax return)
  • āœ“ Active Checking Account (Account and routing numbers - must be active 90+ days)
  • āœ“ Current Address Verification (Utility bill or lease agreement)
  • āœ“ Social Security Number (Required for Synchrony credit-based financing)
  • āœ“ Personal References (2-3 names and phone numbers speeds up approval)

šŸ’” Pro Tips:

  • Apply for no-credit options first if you have bad credit or no credit history
  • Bank account must be active 90+ days for most lease-to-own programs
  • Minimum income typically $1,000/month after taxes is required
  • Multiple applications won't hurt you - we can submit to all 5 lenders simultaneously
  • Have all documents ready before applying to speed up the process

Frequently Asked Questions

What's the difference between 0% financing and lease-to-own? ā–¼

0% Financing (Synchrony): Traditional credit. You own the furniture immediately. Pay no interest if paid in full within 12-36 months. Requires good credit (640+ score). Soft credit check for pre-approval.

Lease-to-Own (Snap, Acima, Progressive, Kafene): You lease the furniture and make regular payments. You own it at the end of the term or through early purchase option. No credit check needed. Higher total cost than cash, but much easier approval. Requires active bank account and income verification.

Can I get approved with bad credit or no credit? ā–¼

Yes! 80% of our customers get approved through one of our 5 partners.

  • Snap Finance: 90% approval rate, no credit check required
  • Acima: Instant approval with bank account + income verification
  • Progressive: No credit needed, flexible terms available
  • Kafene: Easy text-to-apply process, no credit check

Even if you've been denied credit elsewhere, our no-credit lease-to-own options can get you approved!

How long does approval take? ā–¼

Most approvals happen in 60 seconds or less!

  • Synchrony: Instant soft credit check, immediate pre-approval decision
  • Snap Finance: Approval in under 60 seconds online
  • Acima: Instant online approval with required documents
  • Progressive: Approval decision in seconds
  • Kafene: Quick text-to-apply with fast response

šŸ›‹ļø Shop Our Living Room Collection
Get Deals Now →

šŸ›ļø Shop Our Bedroom Collection
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šŸ’¤ Shop Our Mattress Collection
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šŸ½ļø Shop Our Dining Room Collection
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šŸ›‹ļø Shop Our Sectional Collection
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šŸ’³ Need Financing? Get Approved in Minutes!
0% Financing Available • 80% Approval Rate • No Credit? No Problem!
Get Approved Now →

Visit Our South St. Louis Showroom

Sit N Sleep 4 Less Home Furnishings
3722 S Grand Blvd
St. Louis, MO 63118
314-664-8233
Monday-Saturday: 10am-6pm | Sunday: Closed

šŸ“ Get Directions šŸ  Visit Our Website