"We Make it Easy!"

Cole's Furniture offers financing for almost anyone! Great credit or bad credit...don't sweat it! Below are some financing & leasing options available to help our customers get the home furnishings, mattress or home decor they want and need.

Pay over time with the Synchrony HOME Credit Card.*

Synchrony Home Credit Card

Enjoy everyday benefits on your next Cole's Furniture purchase.

Apply Now

12-60 months financing*
12 to 60 Months Promotional Financing on qualifying purchases1

Furniture, Home Decor, Appliances
A dedicated credit limit for home purchases from furniture and decor to appliances and more, with buying power to help get what you want and need for your home*

NO annual fee.
No annual fee2 and free access to Your Credit Score

* Subject to credit approval.
1 Net card purchases (purchases minus returns and adjustments) less than $299 made with the Synchrony HOME Credit Card will earn 2% cash back rewards paid as a statement credit. Statement credits will be issued within 1–2 billing cycles after qualifying purchase is made. Fees and interest charges do not qualify for rewards. Account must remain open, in good standing, and not become delinquent. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.
1 Subject to credit approval. Minimum monthly payments required. Promotional financing offers available at the time of purchase may vary by location. See store for details.
2 For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2.

The Wells Fargo Home Furnishings Credit Card

Wells Fargo Home Furnishings Credit Card

Buy today, pay over time with the Wells Fargo Home Furnishings credit card.*

  • 12 Months special financing available.*
  • A revolving line of credit that you can use over and over again.
  • Easy-to-use online account management and bill payment options.

Apply In Our Store

* Financing offered with approved credit by Wells Fargo Bank, N.A., an Equal Housing Lender. Ask for details.

Shop without using credit*

Shop without using credit.

What is Acima
Acima is a leading lease-to-own provider. Our flexible lease-purchase transactions are not credit, loans, or financing transactions. With all of those other alternatives, you buy the product with borrowed funds and you’re obligated to pay that borrowed money back, typically with interest. With Acima Leasing, you can get the eligible things you want without using credit you may have or increasing your debt. You are leasing the items from Acima – meaning you simply pay Acima for the use of the product – until you are ready to own.

Apply Now

* Acima offers lease-to-own transactions. "The No Credit Option", "All Without Using Credit" or "Shop Without Using Credit" means this is not a loan, credit, or financing. Acima obtains information from consumer reporting agencies during a lease application. we consider multiple data points and regularly approve customers with less than perfect credit history. Acima Cash Price may include a mark up over invoice price. Acquiring ownership by leasing costs more than the retailer's cash price. Not available in MN, NJ, WI or WY. Not all applicants are approved.

** "Get approved to Lease up to $5000 in Merchandise" refers to maximum amount Acima leasing will spend to acquire goods from a retailer for lease to you. Maximum amount may require in-store application; approval and amount subject to review and verification of your application. Not all applicants are approved.