No credit? No problem.

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.

Are you a no credit check furniture store?

Most people searching for a no credit check furniture store in Cincinnati are really asking whether a bad score will stop them. Here it won't. To be straight with you: Koalafi does run a check — but it's a soft inquiry that doesn't affect your score, and the score is not what decides the approval. So it isn't literally zero-check, and anyone promising that is worth a second look. What it is: $11 down, an answer in about two minutes, and approvals for people other furniture stores turned away.

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.

Is there a down payment?

$11. That's the whole down payment, on any piece in the store — there is no percentage-of-purchase deposit and no separate application fee. People searching for 0-down or no-down-payment furniture are usually trying to avoid a few hundred dollars up front; eleven dollars is as close to zero as an honest store gets.

Is approval guaranteed?

No, and be careful with any furniture store that says it is. What's true: Koalafi approves the large majority of applicants, including plenty of people other Cincinnati furniture stores turned down, and it takes about two minutes to find out for certain. Applying costs you nothing and doesn't hurt your score.

What if my credit score is low?

Apply anyway. The score isn't what decides it — Koalafi weighs income and banking history too, which is exactly why applicants with a low credit score, or no credit history at all, get approved here. This is the easy-approval path, not the prime-lender path.

How do the monthly payments work?

You choose the schedule at checkout — payments come out on a set day that lines up with how you get paid, weekly, bi-weekly or monthly. You'll see the exact payment amount and the total before you sign anything. Nothing is hidden until later.

Is this financing or leasing?

Koalafi offers both, and which one you're approved for depends on your application. The lease-to-own option is the no-credit-needed path most people here use — same idea as Progressive Leasing or Acima, with ownership at the end. We'll tell you which one you're on before you commit.

Can I finance a mattress or a bed?

Yes — mattresses, beds, and complete bedroom sets all go on the same plan, $11 down. A mattress is one of the most common things people finance here, because it's the purchase that can't wait.

Can I finance a couch or sectional?

Yes. Couches, sectionals, recliners, dining sets — anything on our floor goes on one plan. Financing a sectional and a rug together on a single payment is normal for us.

Do I need a bank account?

Yes — Koalafi needs a valid checking account and a steady source of income to set the payment schedule against. Bring your ID and know roughly what you take home; that's genuinely all the paperwork.

Can I apply before I come in?

Yes, and most people do. Apply from your phone in about two minutes, then come to the showroom already knowing your number. It makes the trip a lot less stressful.

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