Furniture Financing Explained: Synchrony, Affirm, and Lease-to-Own Options

New furniture is an investment in your home and comfort, and you should not have to wait for the pieces your family needs.

At A&M Discount Furniture and Mattress, we offer several ways to pay over time. Here is a plain-English look at each option so you can decide what fits your budget. Approval and terms vary and are set by each provider.

Why Consider Financing?

• Furnish a whole room at once instead of piece by piece.
• Replace a worn-out mattress right away.
• Take care of a move without draining your savings.

The key is choosing an option you understand and can comfortably manage.

Your Options at a Glance

Synchrony Financing

Synchrony offers promotional financing for qualifying purchases:

• 6 months no interest on purchases of $299 to $1,998.99.
• 1 year no interest on purchases of $1,999 or more.

Tip: Divide your balance by the number of months in the promotion to find a monthly amount that pays it off on time. Then set up reminders or automatic payments so you never miss a due date, and read the full promotional terms before you sign.

Affirm

Affirm lets you split your purchase into payments over time. You see your payment schedule before you commit, which makes budgeting easy.

Terms depend on your purchase and approval, so review the details Affirm shows you at checkout.

Lease-to-Own Options

Lease-to-own is another path. Instead of a loan, you lease the furniture and make regular payments. You can own your items at the end of the lease term, or use an early purchase option to own them sooner.

• Acima: Available from $10 down. Ask about the early purchase option and review your lease agreement.
• Snap Finance: Available with $39 down. Read the agreement carefully, including the early purchase option.
• Koalafi: Review the terms presented when you apply, including the early purchase option and the payment schedule.

Good to know: The total cost of leasing over the full term is usually more than the retail price, so using the early purchase option can help you save. Always read your agreement and ask questions before you sign.

How to Choose the Right Option

• Know your budget: Decide on a monthly amount you are comfortable paying.
• Compare the total cost: Look beyond the monthly payment.
• Read the terms: Each provider sets its own approval requirements and terms.
• Ask us: Our team in Hempstead and Valley Stream can walk you through your options.

What Can You Finance?

Financing works across our store, from living room sets and sectionals to bedroom sets and mattresses.

Many customers pair a room package with our FREE White Glove delivery with assembly on orders of $499+ within 10 miles of either showroom (see our delivery area).

Applying Is Simple

• Learn more and get started on our Financing page.
• See accepted payment methods.
• Apply with help from our team in either showroom. Bring a valid ID and your payment information.

A Quick Reminder

All financing and lease-to-own offers are subject to approval by the provider, and terms vary. Promotional details may change, so always review the final terms before completing your purchase.

Visit A&M Discount Furniture and Mattress

For 30 years, A&M has helped Long Island families furnish their homes, with more than 80,000 customers served. Visit our Hempstead showroom at 120 Fulton Ave or our Valley Stream showroom at 300 Sunrise Hwy.

• Mon–Sat: 10AM–8PM
• Sun: 10AM–7PM

Questions about financing? Visit either showroom or contact us, and we will help you find a payment option that works for your family.