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Financing & Purchase Options
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If you are looking to purchase furniture, The Furniture Loft offers very flexible and convenient financing & purchase options. We offer primary as well as financing & purchase options through a network of reliable partners. You can apply online or contact us at (770) 648-7081 and speak with a sales associate with questions about our special promotion programs as well as our no credit needed* programs.

How to Qualify

To qualify for one of our financing & purchase programs, you will need to meet one or more of the following requirements:

• Be 18 years of age or older
• Have an active checking account (not a pre-paid account, payroll cards are ok.)
• Employment or other source of income (disability, social security, retirement etc ok.)

Snap Finance

Bad credit. No credit. Bankruptcy.

We're your No Credit Needed financing partner!

Has your credit score taken a hit? Have you been denied traditional financing? Or maybe you don't have any credit history, good or bad? Don't worry, you're not alone! Getting financing can be difficult. Snap is here to help!

Industry Leading Approval Rates

Our online application is simple and quick to complete and you'll know in seconds if you're approved. It couldn't be easier to get the things you need! So if you're looking to finance furniture, mattresses, wheels, tires, and more...use Snap! We're the fast, flexible, and friendly choice.

Get up to $3000 Bad credit or no credit? No problem!

Snap doesn't offer traditional loans. Instead, we offer a consumer lease that allows you to finance your purchase over 12 months of convenient payments. We also offer a 100-Day payment option, the best terms around. Need new tires for your car? Or new furniture for your growing family? Don't let bad credit stand in your way. Snap is your partner for No Credit Needed financing!

Snap Finance - Apply Now


At Okinus, our goal is to provide families with easy access to fast, flexible options to lease-purchase high quality merchandise at an affordable price while rebuilding credit. Are you currently in the market for new living room furniture? We can help. Or did your HVAC unit finally give out during the summer months? We can help. The good news is you finally have instant access to bring home what you want, when you need it – with no credit needed financing.

  • Truly NO Credit Needed—no hard or soft credit pull
  • NO personal references required
  • Approval amounts up to $8,000
  • Payment terms up to 24 months for lower payments
  • NO minimum income requirement
  • Monthly reporting to Equifax and Transunion to build your credit
  • 90 Day Early Payment Option
  • Bi-Weekly and Semi-Monthly Repayment Options


Lease To Own Powered by Progressive Leasing**

We know that a three-digit number doesn’t tell your story. That’s why every Progressive Lease To Own approval is NO CREDIT NEEDED*.

Our process allows us to consider more than just credit reports and credit scores. We look at many other data points including income and banking history and regularly approve people with less than perfect credit or very little credit history.


• Must be 18 years or older
• Must have valid Social Security Number or ITIN
• Have routing and account numbers for an open and valid checking account
• Have a credit or debit card
• A photo ID (optional requirement)

Simple easy payment options

Get paid weekly, every other week, or monthly? Easy payment options and automatic withdrawals accommodate your payday schedule.

Progressive Lease To Own


No Credit Needed

We believe most of us are better than our credit histories. We are committed to seeing one’s true potential by looking beyond a credit profile.

Instant Decisions

Our proprietary technology will issue an immediate approval decision upon the completion of a brief online or mobile application.

Easy Payment Options

Take the time to pay for what you get today. We offer tailored payment schedules paired with early purchase incentives.

We'll Report Your Lease Activity

Partnering with credit bureaus, including Experian, means we can report your payment history directly to these bureaus.


Checkout using your approved financing

Synchrony Home

Synchrony Home

*No Credit Needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

**The advertised service is lease-to-own or a rental- or lease-purchase agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than the retailer’s cash price. Leasing available on select items at participating locations only. Not available in MN, NJ, VT, WI, WY.