"Excellent service, fast delivery, finance process clear and fast. Definitely I recommend." — Jamie B.
"The best in the Bronx! Nice furniture, good quality, and the best service from Laura." — S. Soto
"Great service and a great help. Very family oriented — should definitely stop by." — Antonio A.
Furnish the room you've been dreaming about without putting it all on a credit card. Lauren Furniture partners with five financing providers — lease-to-own and revolving credit, soft-credit and full-credit options — so you have a path forward no matter your situation.
5 partners — soft-credit & no-credit-needed options available
Instant decisions · approvals from $250 up to $5,000+
Early buy-out discounts on most lease-to-own programs
Apply in minutes — pick the partner that fits your state and credit
Lauren Furniture is not a lender. Each financing program is offered and serviced by its respective third-party provider. Lease-to-own programs (Acima, Snap, Koalafi, AFF) are not loans, credit, or financing; approvals are not based on FICO and final cost may exceed retail if no early purchase option is exercised. Synchrony offers revolving credit subject to credit approval. Program availability, approval ranges, and terms vary by state and provider — confirm specifics on each application.
How it works
1
Pick a partner
We work with five financing providers — Acima, Snap, Koalafi, Synchrony, and American First Finance — so you can choose what fits your credit, your budget, and your state.
2
Apply in minutes
Most applications take under 60 seconds. Acima, Snap, Koalafi, and AFF use a soft inquiry that doesn't affect your FICO. Synchrony does a full credit pull for revolving credit.
3
Schedule delivery
Once you're approved, we schedule your white-glove delivery — free on orders $1,500+. Many of our partners offer early buy-out discounts to save you the most.
Multiple ways to pay
Financing for every credit profile
Five partners. Soft-credit and credit-free options. Approvals in seconds.
Terms vary by state. Approval subject to AFF guidelines.
Tap any partner to apply. Approvals and terms vary by state and provider — confirm details on each application.
Sample Payment Scenarios
What does it actually cost?
Estimates assume a 12-month standard lease. Your actual terms depend on Acima's approval and your state — they're disclosed before you sign.
Bedroom essentials
$1,000
Retail
Monthly payment
~$95/mo
90-day early payoff
~$1,090
If paid in full over 12mo
~$1,800
A queen bed + nightstand
Most popular
Full bedroom set
$2,500
Retail
Monthly payment
~$235/mo
90-day early payoff
~$2,725
If paid in full over 12mo
~$4,400
Bed, dresser, mirror, two nightstands
Multi-room order
$5,000
Retail (max approval)
Monthly payment
~$465/mo
90-day early payoff
~$5,450
If paid in full over 12mo
~$8,800
Bedroom + sofa + dining set
Buying out within the 90-Day Early Purchase Option is dramatically cheaper than completing the full lease. We strongly recommend it whenever possible.
Common Questions
Everything you need to know
Our partners cover a mix of lease-to-own and traditional credit. The FAQ below answers the common questions using Acima as a worked example — terms on Snap, Koalafi, Synchrony, and AFF differ; each application discloses the details before you sign.
Neither. Acima is a lease-to-own program — they buy the furniture from us and lease it to you. You can pay it off early, ride out the standard 12-month lease, or cancel anytime without penalty. There's no traditional interest; instead, a lease cost is added on top of the retail price.
Will applying affect my credit score?
No. Acima uses a soft credit inquiry to make their approval decision, which doesn't impact your FICO score. They also consider income, banking history, and other factors — so approval is possible even with limited or no credit history.
How much can I get approved for?
Approval amounts go up to $5,000. Your specific limit is shown instantly at the end of the application. You can put the full amount on a single bedroom set or sectional, or split it across multiple pieces.
What is the 90-Day Early Purchase Option?
Within the first 90 days of your lease, you can buy out the furniture outright at a substantially reduced cost — close to the retail price plus a small fee. This is by far the cheapest way to use Acima, and we strongly recommend it if you can afford the payoff. (In California the window is 3 months.)
What if I miss the 90-day window?
You still have options. After the first 90 days Acima offers a second early-purchase discount on your remaining lease balance — typically around 65% of the remaining amount, depending on state. Or you can simply keep making your scheduled renewal payments until the 12-month lease completes, at which point the furniture is yours.
Can I cancel?
Yes. You can terminate the lease at any time without penalty by returning the merchandise. You only pay for the time you had it.
Is Acima available in my state?
Acima operates in most U.S. states. There are a small number of exceptions — most notably Minnesota, New Jersey, Wisconsin, and Wyoming. The application will tell you in seconds whether you're in a supported state.
How fast can I get my furniture?
Once you're approved, Acima funds your order immediately and we begin scheduling your delivery — usually within a few days for in-stock pieces, longer for custom configurations. Free white-glove delivery is included on orders $1,500+.
Ready to start?
Get approved in under a minute.
Whichever partner fits you, the path is short — pick one above, fill out their application, and we'll schedule delivery the same day if you're approved.
Lauren Furniture is not a lender. Each financing program is offered by its respective third-party provider. Lease-to-own programs are not loans or credit. Synchrony offers revolving credit subject to approval. Terms and availability vary by state and provider.
What happens next
1
Pick a partner
Choose the financing provider that fits your credit profile and state. Each card above links to that partner's secure application.
2
Apply in minutes
Most applications take under 60 seconds. Most of our partners use a soft inquiry that doesn't touch your FICO score.
3
Schedule delivery
Once approved, we schedule your white-glove delivery. Free on orders $1,500+.
Choosing a selection results in a full page refresh.
