Financing

No credit? No problem.

Furniture financing in Cincinnati the way it should work: $11 down, no credit needed, and an answer in about two minutes. We partner with Koalafi so nearly everyone — good credit, bad credit, or no credit at all — walks out with the furniture they came for.

Apply Now — Takes ~2 Minutes

Apply online

Tap Apply and answer a few quick questions. It takes about two minutes on your phone.

Get an instant decision

Koalafi looks at more than a credit score — good credit, bad credit, or no credit at all.

Shop like normal

Pick out your furniture in-store or over the phone and use your approval at checkout.

Take it home

Same-day delivery on in-stock pieces. Pay over time with clear, scheduled payments.

Questions people ask

Do I need good credit?: No. Our financing partner Koalafi offers no-credit-needed options, so an application looks at more than just a credit score. Bad credit and no credit history are both fine to apply with.
How much do I need down?: $11 down takes any piece home. There's no big deposit — you pick a payment schedule that fits and the furniture leaves with you or on our delivery truck.
How fast is the decision?: Almost always instant — most customers apply and get an answer in about two minutes, in store or from their phone.
Does applying hurt my credit?: Checking your options starts with a soft inquiry, which doesn't affect your credit score.
Is this like rent-to-own or Progressive Leasing?: It's the same idea — lease-to-own with no credit needed — through our partner Koalafi. If you've been approved at stores using Progressive or Acima, you'll almost certainly qualify here too.
Can I pay it off early?: Yes — early payoff options are available and can save you money. Ask us in store for details.
Can I finance a whole room?: Yes — a full bedroom set or living room package goes on one plan. That's how most of our customers furnish a whole home at once.

Still unsure? Call us at (513) 429-5011 and we'll walk you through it in plain English.