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Pricing and Billing
Special Financing Information
We now offer more ways to pay! Short on cash but need furniture for your home? We get it! We now offer our customers two different options for financing. Check them out below to see which fits your situation best!

No Credit Check Financing with U-Own!
  • No Credit/Bad Credit Okay!
  • No Down Payment!
  • No Money Out of Pocket!
  • Finance up to $2300!
  • Flexible Re-Payment Options (based on when you get payed)!
  • Choose your Payment Terms - Budget Friendly 12 Month Term, Express 6 Month, Super Express 90 Days
Minimum Requirements:
  • $1000 Income with $500 Deposited Monthly Into Checking Account
  • Valid Checking Account Opened for a Minimum of 90 Days
  • No NSF within 30 Days
  • Valid State Issued ID - Must not be Expired
  • Co-Applicants Okay!!!!

If you meet the minimum requirements, click above to apply! You will receive your approval within 45 Seconds!

Once Approved:
Step 1) Photo ID - Please send picture of photo ID to
The best way to do this is by using a smart phone to take a clear picture and email over. You may also use a scanner. Regular fax copies do not yield the clear results the lender requires.
Step 2) Start Shopping! Select "U-Own" as your payment type at checkout!
If there is a balance due over your available financed amount, Finally Home Furnishings will invoice you separately and you may pay with Credit/Debit.
Step 3) Sign Documents!
Finally Home furnishings will issue you the documents to be signed and returned to complete the transaction.

Credit Check Option with Pay Pal Credit!
It's simple! At checkout, select PayPal as your payment method. Select PayPal Credit, enter in the required information, and within seconds you'll have your approved limit! It's a safe, simple, and secure way to shop! Just click on the image below to find out details of PayPal Credit!

Do I have to pay sales tax?
Yes!  Sales tax is required to be collected and paid at the current sales tax rate.  Please see Texas State Sales Tax Info for more information and sales tax rates.
I have a question on my charges.
Click the "My Account / Order Status" link at the top right hand side of our site to review your orders. You may compare your order history on our website, with your financial records. If you have further questions or concerns, please contact customer service for further assistance.
What are my payment choices?
  During the checkout process you may choose any of our current payment options and continue to place your order. Please note that we will not ship your order until we receive payment from you. Currently we accept payment from Visa, Mastercard, American Express, Debit Card and PayPal. You may also choose to finance your purchase with the PayPal Credit option (formerly known as BillMeLater). If you choose this option, please select PayPal as your desired form of payment, then select PayPal Credit on the following screen. At this point, you will fill out a very brief application and will be notified instantly of approval. Please make sure to enter information exactly as it appears on your Equifax file as you may be denied for further processing if the information does not match their records.
I need a copy of my receipt/invoice.
Click the "My Account / Order Status" link at the top right hand side of our site to print invoices.
When will my credit or debit card be charged?
Your credit or debit card will be charged upon processing of order. Orders are usually processed within 24 hours.