Wells Fargo
Buy today and pay over time with the Exclusive Furniture credit card, issued with approved credit by Wells Fargo Bank, N.A.
- Convenient monthly payments
- Flexible financing options
- Online account management
Furniture Financing Made Simple
Flexible ways to pay so you can bring home the furniture you love today.
Furniture Financing CalculatorEstimate monthly payments before you shop.
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Choose Your Financing Option
Apply online or learn more about each available payment option.
Snap Finance
Flexible lease-to-own payment options from Snap Finance. Continue to your cart to review available payment options.
- Flexible lease-to-own options
- Quick and easy process
- Continue from your shopping cart
PayTomorrow
Easy, affordable financing through PayTomorrow—buy today and PayTomorrow.
- No impact on credit to apply
- Affordable monthly payments
- Real-time decisions
American First Finance
Get it now. Pay over time. All Credit Welcome!
- Approvals from $300–$5,000
- Fast & easy application
- Early payment savings
Applications may be for payment solutions through American First Finance or loans originated by FinWise Bank, Member FDIC. See agreement for details.
Progressive Leasing
Lease-to-own with weekly, biweekly, or monthly payments.
- No credit needed
- 90-Day purchase option
- 12 months to ownership
Koalafi
Flexible payment plans with a fast and easy online application process.
- Approvals up to $5,000
- Soft credit check to apply
- Fast decisions
Affirm
Split your purchase into manageable payments with clear terms. Select Affirm at checkout.
- Flexible payments
- Clear payment terms
- Available at checkout
Rates from 0–36% APR. Subject to eligibility. View disclosures.
Financing FAQs
What financing options does Exclusive Furniture offer?
Exclusive Furniture offers several financing and lease-to-own options, including Wells Fargo, Snap Finance, PayTomorrow, American First Finance, Progressive Leasing, Koalafi, and Affirm. Availability, approval requirements, rates, and terms vary by provider.
How do I choose the right financing option?
Review each provider's application requirements, payment terms, available purchase options, and disclosures. The best option depends on your purchase amount, eligibility, and the terms offered to you by the provider.
Can I apply for financing online?
Yes. Several financing providers allow you to apply or check eligibility online. Use the button shown for the provider you want to explore and follow that provider's application process.
Will applying for financing affect my credit?
It depends on the provider. PayTomorrow and Koalafi indicate a soft credit check to apply. Other providers may use different credit or eligibility checks. Review the provider's application disclosures before submitting your application.
Do I need good credit to apply?
Requirements vary. Some options are designed for a broader range of credit profiles, and Progressive Leasing is presented as a no-credit-needed lease-to-own option. Approval is determined by the individual provider.
How long does financing approval take?
Many providers offer quick online decisions, but processing and approval times can vary depending on the provider, applicant information, and any additional verification that may be required.
Is financing approval guaranteed?
No. All financing and lease-to-own applications are subject to the provider's eligibility, verification, and approval requirements.
Is there a minimum purchase amount?
Minimum purchase requirements may vary by financing provider and promotional offer. Review the specific terms presented by the provider before completing your purchase.
Is there a maximum amount I can finance?
Limits vary by provider and applicant. For example, the options shown on this page indicate approvals up to $5,000 for American First Finance and Koalafi. Your actual approved amount may differ.
Can I use financing for an online purchase?
Some financing options can be used during the online shopping or checkout process, while others may require you to complete an application with the provider first. Follow the instructions shown for your selected financing option.
How do I use Affirm?
Add your items to the cart and continue through checkout. If Affirm is available for your order, select Affirm as your payment option and follow the instructions provided during checkout.
How do I use Snap Finance?
Use the Snap Finance option above to continue to your shopping cart. From there, continue with the available payment or financing process for your purchase.
What is lease-to-own financing?
Lease-to-own is different from traditional credit financing. You make payments under a lease-purchase agreement and can obtain ownership according to the provider's agreement. Review all payment, early-purchase, and ownership terms before agreeing.
Does Progressive Leasing require credit?
The Progressive Leasing option on this page is described as no credit needed. Progressive determines eligibility under its own application requirements and lease-to-own terms.
Does Progressive Leasing offer an early purchase option?
Yes. The financing information provided by Exclusive Furniture lists a 90-Day purchase option. Review your Progressive Leasing agreement for the exact requirements, costs, and applicable terms.
Can I pay off my financing early?
Early payoff or early purchase options depend on the provider and your agreement. Review your provider's terms before making additional or early payments.
Can I make a larger down payment?
Down-payment requirements and whether additional upfront payments are permitted depend on the financing provider and the offer you receive. The provider will show the applicable payment requirements during the application or checkout process.
What interest rate will I receive?
Rates and financing costs vary by provider, promotion, purchase amount, and applicant eligibility. Review the specific offer and disclosures provided to you before accepting financing.
Are there any hidden fees?
Exclusive Furniture recommends reviewing the provider's complete agreement and disclosures before accepting an offer. Any applicable interest, fees, lease costs, or payment requirements should be evaluated based on the specific agreement presented to you.
Can I apply with more than one financing provider?
Each provider has its own application and eligibility process. Before submitting multiple applications, review how each provider evaluates applications and whether an application may affect your credit.
Can I combine two financing options on one order?
Payment combinations can depend on the provider, order, and checkout method. Contact Exclusive Furniture before purchasing if you need to use more than one payment method or financing source.
Can I use financing together with a sale or promotion?
Promotion and financing eligibility can vary by offer. Some promotions may have specific financing requirements or exclusions. Review the promotional terms and financing terms that apply to your purchase.
Can I finance delivery or other charges?
Whether delivery, services, taxes, or other order charges are included in the financed amount depends on the provider and the final transaction. Review your order and financing agreement before completing the purchase.
What happens after I am approved?
Follow the instructions provided by the financing company. Depending on the provider, you may be able to continue shopping, return to checkout, or complete additional verification before finalizing your purchase.
What if I am not approved?
A decision from one provider does not describe the requirements of every other provider. You may review the other financing and lease-to-own options shown on this page, subject to each provider's application and eligibility requirements.
Who manages my financing account after purchase?
Your financing or lease-to-own account is generally managed by the provider you selected. Account payments, statements, payoff information, and account-specific questions should be handled according to that provider's instructions.
What happens to financing if I return or cancel an item?
Returns and cancellations remain subject to Exclusive Furniture's applicable policies, while financing account adjustments are handled according to the provider's processes and agreement. Processing times may differ between the store and financing provider.
Who should I contact if I have a question about my application?
For application status, approval details, account terms, or provider-specific payment questions, contact the financing provider directly. For questions about your Exclusive Furniture order or products, contact Exclusive Furniture.
Financing availability, approval, rates, terms and payment options depend on the provider and applicant eligibility. Offers may change. Review each provider's agreement and disclosures for complete details.
