Financing at A&M
1 year no interest
on $1,999+ with Synchrony (6 months on $299+) · Or lease-to-own from $10 down with Acima, Snap or Koalafi
Call us: 516-280-9565
Premium
Synchrony HOME™ Card
The A&M credit card: our premium option.
- Apply in minutes
- Pick your plan — 1 year or 6 months no interest
- Get it delivered and pay over time
- 1 year no intereston purchases of $1,999 or more
- 6 months no interest on purchases of $299–$1,998.99
- Subject to credit approval
ExampleA $1,800 sofa set = $150/mo for 1 year, no interest if paid in full within the 1-year promo.
What it costs1 year no interest on $1,999+; 6 months no interest on $299–$1,998.99. If not paid in full by the end of the promo period, interest may be charged from the purchase date. Subject to credit approval. Minimum monthly payments required.
Have a card? Manage your account
Affirm
Pay over time at checkout.
- Pick Affirm at checkout
- Enter a few details for a real-time decision
- Choose a plan — monthly or biweekly
- Real-time decision in seconds
- Soft credit check, won't affect your credit score
- Pick monthly or biweekly payments
- No hidden fees, no late fees
- Rates from 0–36% APR
Choose your plan at checkout and see the total cost before you confirm.
What it costsRates from 0–36% APR. You see your total cost before you commit. No late fees, no hidden fees. Payment options subject to an eligibility check.
Select Affirm as your payment method.
Lease-to-own
No credit neededRecommendedPay it off early and save — within 100 days (Snap, Acima) or 90 days (Koalafi) you pay just the item price plus a small fee.
Get it delivered today. Snap & Acima: pay over 3, 6 or 12 months. Koalafi: 12–24 months.
- Apply in minutes
- Pick your plan — Snap, Acima or Koalafi
- Get it delivered and pay over time
What it costsDown: Snap $39 · Acima $10 · Koalafi $79 or less. Early payoff: item price plus a small fee. Full term: can reach about 2× the cash price.
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$39 down. Pay it off within 100 days for the item price plus a small fee.Apply -
$10 down. Pay it off within 100 days for the item price plus a small fee.Apply -
Lease-to-own up to $7,500 · any credit welcome · early purchase option in the first 90 days · 12–24 month termsApply
Not all applicants are approved. Lease-to-own is not a loan. Paying over the full lease term costs more than the cash price; see your lease agreement for the exact total.
Compare all options
The real cost of each option, side by side.
| Provider | Credit needed | Down payment | Best way to save | Full-term cost |
|---|---|---|---|---|
| Synchrony HOME | Yes, subject to credit approval | Shown when you apply | Pay in full within the promo: 1 year on $1,999+, 6 months on $299–$1,998.99 | If not paid in full by the end of the promo, interest may be charged from the purchase date |
| Affirm | Eligibility check (soft check, won't affect your score) | Shown when you apply | Compare plans; you see your total cost before you commit | Rates from 0–36% APR; no late or hidden fees |
| Snap Finance | No credit needed | $39 | RecommendedPay it off within 100 days for the item price plus a small fee | Can reach about 2× the cash price |
| Acima | No credit needed | $10 | RecommendedPay it off within 100 days for the item price plus a small fee | Can reach about 2× the cash price |
| Koalafi | Any credit welcome | $79 or less | RecommendedPay it off within 90 days for the item price plus a small fee | Can reach about 2× the cash price |
Heads up: if you go past the 100-day option (90 days with Koalafi), the total lease cost is more than the cash price. See your lease for the total. We recommend paying it off early.
Lease-to-own is not a loan. Not all applicants are approved. See your agreement for exact terms and total cost.
How it works
Take it home now and pay over time.
Step 1
Choose your furniture
Shop online or visit a showroom.
Step 2
Apply online or in store
Pick what fits you: Synchrony, Affirm or lease-to-own.
Step 3
Take it home today
Pay over time: 1 year no interest with Synchrony ($1,999+), monthly with Affirm, or lease-to-own.
Which option is right for you?
Why finance at A&M
Free delivery & assembly
On orders of $499+ within 10 miles of our showrooms
White glove service
We bring it in and set it up
30-day returns
Shop with confidence
30 years in business
80,000+ customers
Shop popular categories
Apply in store
Visit a showroom and our team will help you apply.
Financing FAQ
Quick, simple answers. Tap a question to open it.
Getting started
Can I get furniture with no credit?
Yes. Our lease-to-own options don’t need established credit.
- Snap$39 down.
- Acima$10 down.
- KoalafiInitial payment of $79 or less.
Not everyone is approved. Leasing costs more than the cash price.
What do I need to apply?
- SynchronyYour SSN or ITIN and contact info. Remove any credit freeze first.
- AffirmName, email, mobile number, date of birth and the last 4 of your SSN.
- Acima18+, a checking account with $750+ monthly income, 3 months at your current income source, photo ID, SSN or ITIN.
- SnapLegal age to sign a contract, a checking account, $750+ monthly income, email and smartphone.
- Koalafi18+, $1,000+ monthly income, SSN or ITIN, 60+ days at a U.S. address, photo ID, bank info and a debit card for the initial payment.
How long does approval take?
Usually just seconds.
- SynchronyPrequalify decision in seconds.
- AffirmReal-time decision.
- Acima & SnapAnswer within seconds.
- KoalafiTypically under 10 seconds.
Subject to approval.
Can I apply in store?
Yes! Visit our Hempstead or Valley Stream showroom, or call us, and we’ll help you apply.
Your credit
Does applying affect my credit score?
- SynchronyPrequalifying is a soft check with no score impact. If you accept and apply, your score may be affected.
- AffirmChecking eligibility is a soft inquiry and won’t affect your credit. A purchase and your payments may.
- AcimaSoft pull with TransUnion, Experian and Equifax. Inquiries may show with secondary agencies.
- SnapAlways checks credit with secondary agencies (Clarity, DataX), which may affect your score there.
- KoalafiPrequalifying is a soft check. Signing the lease adds a hard inquiry at alternative bureaus, not your FICO score.
Is lease-to-own a loan?
No. It’s not a loan or credit. Take it home now, pay over time, and you own it when the lease is done.
- Snap & Acima3, 6 or 12 months.
- Koalafi12–24 months.
Plans & payments
What is the Synchrony offer?
With the Synchrony HOME card:
- $1,999 or more1 year no interest.
- $299–$1,998.996 months no interest.
Subject to credit approval. Minimum monthly payments required. See terms.
How do I use Affirm?
Pick Affirm at checkout, enter a few details, and get a real-time decision. Then choose a monthly or biweekly plan.
Subject to an eligibility check.
How does Koalafi work?
Lease-to-own up to $7,500 · any credit welcome · early purchase option in the first 90 days · 12–24 month terms.
- Pay earlyEarly purchase option in the first 90 days: item price plus a small fee.
- Or spread it out12–24 month terms.
- Good to knowInitial payment $79 or less; approvals up to $7,500.
Can I pay off my lease early?
Yes, and we recommend it. It saves you money.
- Snap & AcimaEarly purchase option within 100 days: item price plus a small fee.
- KoalafiEarly purchase option within 90 days: item price plus a small fee.