š³ Furniture Financing Made Simple in St. Louis
Get Approved in 60 Seconds | 80% Approval Rate | 0% Financing + No-Credit Options Available
š Call (314) 664-8233 NowChoose Your Best Financing Option
We work with 5 top financing partners to get you approved. Compare options below and apply instantly.
0% Financing
No interest for up to 36 months with approved credit. Perfect for larger purchases!
- Up to 36 months 0% APR
- Instant approval decision
- Good-to-excellent credit (640+)
- Soft credit check for pre-approval
- Use for any purchase amount
Example: $3,000 Sectional
$83/monthš Prefer Paper?
Print Application
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
š Prefer Paper?
Print Application
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 leaseš Prefer Paper?
Print Application
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 leaseš Prefer Paper?
Print ApplicationKafene
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: 57597š Print Application
Download PDF Formā 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.
š° 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)
Choose Your Furniture
Browse our showroom at 3722 S Grand Blvd or shop online. Find exactly what you need for your home.
Apply Online or In-Store
Takes 60 seconds. Get instant approval decision. Soft credit check won't impact your score.
Get Approved
80% approval rate. We work with 5 lenders to find you the best option for your situation.
Take It Home Today
Same-day delivery available! Start enjoying your new furniture immediately.
ā Tips to Get Approved Faster
ā Before You Apply, Make Sure You Have:
- ā Valid Government ID (Driver's License, State ID, or Passport)
- ā Proof of Income (Recent pay stub, bank statement, or tax return)
- ā Active Checking Account (Account and routing numbers - must be active 90+ days)
- ā Current Address Verification (Utility bill or lease agreement)
- ā Social Security Number (Required for Synchrony credit-based financing)
- ā Personal References (2-3 names and phone numbers speeds up approval)
š” 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
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.
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!
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
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š³ Need Financing? Get Approved in Minutes!
0% Financing Available ⢠80% Approval Rate ⢠No Credit? No Problem!
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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