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Financing Options

With our network of finance solutions, we can provide you with a single point of contact for multiple credit products that fit all credit profiles and financing needs. This enables us to offer the best option for each of our customers.  This enables us to give someone with good credit or little to no credit but has a job for at least 6 months and a checking account for at least 90 days, we can provide an opportunity to purchase the furniture that you have always wanted. Which means HIGHER APPROVALS and BETTER TERMS!

 

 

Option 1 - Interest FREE Financing - Synchrony Finance - (Great Credit - Good Credit)*

Take advantage of up to 12 months deferred interest financing. Apply online today!

 

Up to $7500 in Financing
6 Months Deferred Interest
12 Months Defered Interest On Orders Over $995
Minimum Monthly Payment Required

 

Click Here to Apply for Synchrony Financing!

*With approved credit. Each company has its own policies and what they will offer. These are only examples and do not reflect every company. All “No Interest” promotions require monthly minimum payments and credit approval.

 



Option 2 - Second Chance Financing - Regional Finance - (Good - Ok Credit)*

We look at the bigger picture! This option takes a look at your recent credit history (not just your credit score). Even with a credit score of 550, we can say YES!

 

Up to $7500 in Financing

Up to 48 Month Term Loans

Early Buyout Options

Easy Payment Schedules

Must have a valid Texas Driver's License to be eligible.

 

Click Here to Apply for Second Chance Financing!

*With approved credit. Each company has its own policies and what they will offer. These are only examples and do not reflect every company. All “No Interest” promotions require monthly minimum payments and credit approval.

 



Option 3 - Financing with No Credit Needed - SNAP Finance - (Bad - No Credit)*

 This option looks at your employment, and your banking history.  This enables us to give someone with no credit but has a job and a checking account for at least 30 days, an opportunity to purchase the furniture that they have always wanted.

 

80% Approval Rating

Up to $2500 in Financing

100 Day Cash Buyout Option

12 Month Payment Plans

ITIN's Accepted

Early Discount Buyout Options

 

Click Here to Apply for SNAP Financing with No Credit Needed!

 




Option 4 - Financing with No Credit Needed - Progressive Finance - (Bad - No Credit)*

 This option looks at your employment, and your banking history.  This enables us to give someone with no credit but has a job for at least 6 months and a checking account for at least 90 days, an opportunity to purchase the furniture that they have always wanted.

 

80% Approval Rating

$49 Down Payment

Up to $2500 in Financing

90 Day Buyout Option

Easy Payment Schedules

Early Buyout Discount Options 

 

Click Here to Apply for Progressive Financing with No Credit Needed!

 


 

Option 5 - Financing with No Credit Needed - Okinus - (Bad - No Credit)*

 This option looks at your income, and your banking history.  This enables us to give someone with no credit but has an income of $1200 a month and a checking account for at least 60 days, an opportunity to purchase the furniture that they have always wanted.

 

80% Approval Rating

Payments Reported to Equifax

$39 Down Payment

ITIN Accepted

Up to $5000 in Financing

90 Day Buyout Option

Easy Payment Schedules of 8-24 Months

Early Buyout Discount Options 

 

Click Here to Apply for Okinus Financing with No Credit Needed!

 

 




 FAQ's

Do you check my credit score?

Some of our finance solutions check your credit score, while others check your employment and checking account.  This enables us to offer you the best possible option for you.

 

If I submit an application, do you start to automatically charge me?

No, you still have come in to one of our locations and sign a contract.

 

When is my first payment due?

The first payment is generally due between 10-14 business days from when you receive your merchandise.  You will be asked to sign a Receipt of Goods document upon pick up or delivery.  It is at that point that your payment schedule begins.

 

On the No Interest financing, do I have to make payments?

Yes, minimum payments will be due every month.  As long as you pay your balance in full within the allotted time, you will not incur interest or lease charges.

Remember, late payments or no payments will void your “No Interest” plan.

 

Do I pay Local Furniture Outlet directly?

No.  Once approved, your payments will be due to the finance company that you choose.

 

Who do I go to if I have a problem or question with my financing?

Once you are set up, we will give you the contact information so that you can call them directly.

However, if you have a warranty or product question, please contact our customer service department.

 

Customer Service: (512) 380-0103         Email: service@shoplfo.com

 

What if I need more money than what I was approved for?

Depending on which finance solution you choose, there is a possibility to extend the amount you were approved for. 

If you would like to get a higher amount, you would need to come into Local Furniture Outlet and request an extension.

 

*With approved credit. Each company has its own policies and what they will offer. These are only examples and do not reflect every company. All “No Interest” promotions require monthly minimum payments and credit approval.

 

 


Synchrony Finance Application