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We're here to make your furniture shopping experience as flexible and stress-free as possible because we understand that everyone's financial situation is unique. That's why we offer a range of flexible financing options tailored to your specific needs.


Big purchase or unplanned expense? Snap Finance can help. Snap offers lease-to-own financing that empowers credit-challenged shoppers with the buying power to get what they need, now. Snap was founded on the principle that you should thrive with financing that’s accessible, affordable, and completely transparent. The application is easy, and you’ll find out in seconds if you’ve been approved.

To apply, you’ll need to:

  • Be of legal age to enter into a contract
  • Have a steady monthly income
  • Have an active checking account
  • Provide a valid email address and phone number 

That’s it! You can apply online or we can help you in-store. Snap offers flexible payment options that fit your pay schedule, so it’s convenient too! With approvals up to $5,000 – get what you need today with Snap!


With promotional financing from Luna Furniture, major purchases don’t have to wait. Get what you want now and pay over time.*

How it works:

Applying is convenient, fast and safe!

  • Fill out a secure online application.
  • You’ll get an instant credit decision after you submit the application.
  • If you’re approved, you’ll receive a temporary account number so you can start shopping right away.

*Subject to credit approval.


Pay over 3, 6, or 12 months. Your rate will be 0% APR or 10-36% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. Checking your eligibility won’t affect your credit score, and you’ll get a decision right away.

For a $500 purchase, here's what you might pay:

  • 3 months - $173/mo - Interest (20% APR) $18 - Total $518
  • 6 months - $89/mo - Interest (20% APR) $30- Total $530
  • 12 months - $47/mo - Interest (20% APR) $57- Total $557

Your rate will be between 0–36% APR. This is just an example.

Sample calculation can be found at the product page.


Pay in full at checkout or split your purchase into 4 equal installments. Shop Pay Installments allows you to pay for orders between $50 USD and $1,000 USD in 4 interest-free installments.

Make debit or credit card payments every two weeks or turn on automatic payments.

Rates from 0%-36% APR. Payment options through Shop Pay Installments, are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. State notices to consumers


We’ve partnered with Klarna to provide you with easy payment options at checkout, so you can buy what you want, when you want. It’s smooth and simple Select Klarna at checkout to buy now and pay later. Spread the cost of your purchase over time with convenient, stress-free payment options. It is easy, safe to use, and you’re always covered by Klarna’s Buyer Protection.

4 interest-free installments
Split your purchase into 4 equal payments so you can spread the cost of your purchase over time. Enter the credit or debit card of your choice for automatic payments every two weeks. No interest or added fees when you pay on time!  See payment terms.

Monthly financing*
Apply for easy monthly financing directly in the checkout. A simple, 2-step application will provide an instant approval decision. Once you’ve been approved, you’ll receive reminders and can manage your payments directly in the Klarna App.

Making payments
Review your latest purchases and pay any open balances by logging into your Klarna account at You can also chat with Klarna customer service 24/7 in the Klarna App.

Safe and secure
Klarna uses the latest safeguards and security to protect your information and prevent unauthorized purchases. You have zero fraud liability with Klarna’s Buyer Protection policy.


 *Monthly financing through Klarna issued by WebBank, member FDIC. Other CA resident loans made or arranged pursuant to a California Financing Law license.


Get everything you need now.
Create your dream home by choosing from thousands of options in the online store.

Pay over six weeks.
Make the first payment upfront and the rest over time. Always interest-free when you pay it in 4.

No fees when you pay on time.
We’ll send you reminders and cap late payments to help you get back on track.



We offer a 90-day layaway program with a 30% deposit. The amount owing after the deposit will be divided into 3 payments which must be made every month. Visit our store for more details about our Layaway Program.


For any questions about financing options, please contact us at (832) 900-3800