Buy Now, Pay Later

Take home your furniture today and pay over time.

Options available for all credit types – instant approvals available.

No-interest financing options for qualifying customers.

Secure & Trusted Financing

Apply with confidence – our financing options are backed by trusted partners.

Your information is secure, and applications are processed with bank-level encryption.

Payments on Your Schedule

Choose a payment plan that works for your budget and schedule.

Pay over 3, 6, or 12+ months with flexible options.

No surprises, just clear, easy payments.

Teds Furniture & More Financing Options

Synchony Bank Financing

Flexible financing options to help you furnish your home at Teds Furniture & More.

  • Promotional Financing – Special financing offers on qualifying purchases.*
  • Wide Acceptance – Use at thousands of participating retailers nationwide.
  • No Annual Fee – Enjoy the benefits without extra costs.
  • Flexible Payment Options – Choose a plan that fits your budget.
  • Fast & Easy Application – Quick online or in-store approval process
  • $0 Fraud Liability – Shop with confidence and security.

*subject to credit approval. Minimum monthly payments required. A 2% promotional fee applies to financing terms over 18 months. Promotional financing offers may vary by location. Terms and conditions apply. See store for details.

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Kafene Financing™

Flexible lease-to-own options for furniture, appliances, electronics, and more.

  • NO CREDIT NEEDED
  • High Approval Rates
  • Instant Approval Process
  • Flexible Payment Options
  • Build Credit History
  • Transparent Process

* Lease-to-own options are subject to approval. Approval is based on a review of your creditworthiness and other factors. By accepting a lease agreement, you agree to make timely payments as outlined in the lease terms. Failure to make payments may result in the termination of the lease and repossession of the leased item. Terms and conditions may vary by state and are subject to change. Please review the lease agreement carefully before signing.

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Snap Finance

Versatile Financing Options for Your Everyday Needs

  • NO CREDIT NEEDED
  • Quick Approval Rates
  • Instant Approval Process
  • Flexible Payment Options
  • Credit Building Opportunities
  • Personalized Lease Process
  • Clear and Honest Process

* We do perform a credit check on customers as part of our application process. “No Credit Needed” does not imply no credit check. This is a lease-to-own product. You will not own the leased items unless you make all scheduled payments or prepay in accordance with the lease. Details may vary by state.

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Financing Frequently Asked Questions

We offer flexible financing options that allow you to buy now and pay over time. Simply apply through our secure online application, get an instant decision, and start shopping In-store or online.

No! We offer financing options for all credit types. Some plans require a credit check, while others do not.

We offer a variety of flexible plans, including:

  • 3, 6, or 12+ month payment options
  • No-interest financing for qualifying purchases
  • 100-day same-as-cash options (for no-credit-check financing)

Yes! Most of our financing plans allow you to pay off early with no penalties.

Most applications are processed instantly, and you’ll know your approval status within minutes.

You can finance any furniture purchase from our store, including sofas, sectionals, dining sets, mattresses, and more.

Click the "Apply Now" button on this page to get started. The process is secure, quick, and hassle-free.