Financing
No credit needed. Approved in minutes.
Bad credit, thin credit, no credit — we still get people furnished. Apply here or walk into our Spring Branch, Houston showroom and we'll do it with you at the counter.
How it works
- 1
Apply in 2 minutes
Online here or on a tablet in the store. All we need is your ID, income source and a checking account or debit card.
- 2
Get your approval amount
Soft check only — applying does not hurt your credit. Most customers hear back in minutes.
- 3
Pick your furniture
Shop the floor up to your approval amount. Mix rooms, add a mattress, whatever fits.
- 4
Take it home today
Pay your initial payment (often $39) and we schedule delivery — same day if you ordered early.
What you'll need
- • Government photo ID
- • Proof of income
- • Checking account or debit card
- • Working phone number
Lease-to-own agreements cost more than the cash price. We will always show you the cash price, the 90-day payoff and the full-term total side by side before you sign.
Financing questions
Do I need good credit?
No. Our lease-to-own and no-credit-needed programs look at income and banking history, not just your credit score. We approve customers every day who were turned down elsewhere.
Does applying hurt my credit?
No. The application uses a soft inquiry, which does not affect your credit score.
How much do I pay up front?
Most approvals start at $39 down plus tax and any delivery fee. Larger orders may require a slightly higher initial payment.
Is there an early payoff discount?
Yes. Pay your agreement off within 90 days and you save substantially versus the full-term cost. Ask us to write out both numbers before you sign — we always do.
What do I need to bring?
A valid government photo ID, proof of income (pay stub, benefits letter or bank deposits), a checking account or debit card, and a phone number we can reach you at.
Can I finance and still get your price match?
Yes. Bring us any written quote on a comparable item, we beat the price first, then finance the lower number.
Ready to shop your approval? Browse the showroom or call 281-619-4465.
Approved in minutes. Sitting on it tonight.
No credit needed financing, same-day delivery across Houston, and a price we'll beat any written quote on. Call, text, or come see us in Spring Branch, Houston.
