Furniture Financing & Payment Plans

 Finally Home Furnishings is Now Offering Uown No Credit Check Financing


No Credit Check Financing Application Link

Uown Financing Application Link


No Credit Needed 

No Money Down 

Extended Payments up to 13

90 Days Same as Cash Available

Easy Qualifications

  • 18 Years or Older
  • Taxpayer ID/Social Security Number
  • Valid/Non Expired State Issued Driver’s License
  • Minimum Gross Income of $1000/month
  • Must have Open/Active Checking Account, In Good Standing.  *No Insufficient Funds or Overdraft Charges in the Past 30 Days.
  • Must have access to Mobile Phone


  • Minimum Credit Amount $199.
  • Payment Choice Weekly or Bi-Weekly
  • Possible $40 Processing Fee/Deposit May be Required to Secure Lease
  • Lease is based on 13 Month Term
  • 90 Days Same as Cash Option
  • Early Purchase Options (not available in NJ, VT, MN or DC)


Q  I don’t have any credit, can I apply?

A  Yes.  UOwn does not utilize your FICO score for qualification. Instead, UOwn will look at your job, income and other varying factors to qualify you for your furniture purchase.

Q  I don’t want any hard inquiries on my report, are they going to pull my credit?

A  Not exactly. We will not do a hard pull on your credit report.  This will not affect your hard inquiries whatsoever, nor will it affect your credit score.

Q  I get paid SSI and Disability.  Can I qualify?

A  Yes.  We accept traditional income, retirement income, self employment income, SSI and Disability as forms of income to qualify you for your furniture lease.  


ACIMA Leasing

ACIMA No Credit Needed Leasing is a trusted industry standard for furniture financing used by companies like Wayfair and Amazon. 

  • Instant Decicions from $300-$4000
  • An active checking account with at least $1,000 of income per month
  • 3 months of income history with your current source of income
  • Government-issued phot ID and an SSN or Taxpayer identification Number

Click HERE to apply for ACIMA - Once you have your approval, please place your order and select "ACIMA" as the payment method. Finally Home will contact you within 24 hours to answer any questions about the program before sending the contract to your phone for your review. Once you have received your contract and verified you are happy with the terms, simply sign and submit and we will contact you to schedule delivery of your new furniture.


Shopify ShopPay 

Break your payment into 4 interest free payments

Rates from 0%-36% APR. Payment options through Shop Pay Installments, are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. State notices to consumers


Paypal Credit 

Paypal credit offers up to 6 months of no interest free payments for well qualified customers.