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EASY AS RENTING, BUT
CHEAPER! Our solution for no credit and bad credit is EASY CREDIT! Getting new
furniture for your home is easy with Cole Furniture. Have you been turned down for a loan
by other companies, stores and lenders? Has someone turned you down for
bad credit, no credit, too many lines of credit, high debt, high risk,
poor payment history, poor credit rating, a low credit score, or even
bankruptcy.
Have you tried to rent bedroom furniture, rent living room
furniture, or rent kitchen furniture? When considering new home furnishings, some folks have visited one of the
rent to own companies. Instead of leaving with furniture, they left with sticker shock. Our furniture
store offers a cheaper alternative. Consider furniture leasing rather than
furniture rental. Our Easy Financing, No Credit
Check
Program offers a chance to save more of your hard
earned money with a lease to own program. We can save you hundreds of
dollars compared to what you may pay at rent to own stores!
How easy is it to get credit? We offer guaranteed approval for all people applying who bring the
qualifying documents listed below. Stop in our store to apply. If your information is easily verified,
the credit decision will be quick... very fast... almost instant. Your
credit line is determined by your income and the lease total will
determine the lease term. Your purchased furniture serves as collateral.
Of course, there are no application fees. Our system also offers you a
chance to repair your credit. Once you are approved and the leasing
contract is finalized, you can take your new furniture home right away
or arrange for delivery.
You may have seen our signs, now browse
our online catalog to see the many options you have to make your home the
home of your dreams. For those who do not have the qualifying income and
checking account for our furniture leasing program, we also offer what is
perhaps the easiest layaway on earth for your furniture purchase. Your
layaway can be as small, big, short or long as you would like. We, also,
naturally accept your cash, check, and credit card and offer standard
installment loans from our other lender. We offer both secured and
unsecured financing, including interest free financing for up to 36
months. See more details below. 12-MONTH
INTEREST-FREE FINANCING
Available to qualified
buyers. You may pay the contract in full within 12 months from the
contract date with no finance charges and no payments due for the period.
If you do not pay in full in this period, finance charges with an annual
percentage rate of 23.9% are computed from the date of the contract and
payments are required as shown on the contract with a 36-Month term.
(There is a credit check with this program. It is completely separate from
the alternate "No Credit Check Financing" program.) See account agreement
in our store for complete details. |
NO CREDIT
CHECK FINANCING
Available with a 90 day same as cash
option.Qualifications:
--Minimum monthly income of $900 from the same employer for the last six
months.
-Minimum monthly deposits of $500 into your qualifying checking account.
(A qualifying checking account is at least 3 months old with no bounced
checks or negative balances in the last 30 days.)
Documents to bring if you are employed:
-Your last full checking account bank statement
-Your last pay stub with year-to-date information
-A voided check
-A current state ID
-W-2 Tax Form from the previous year is also required when
applying during the months of January to June.
This document is not required if applying during the second half of the
year (July to December).
Documents to bring if you are self-employed:
-Your last three full checking account bank statements
-Last year's complete tax return
-A voided check
-A current state ID
Documents to bring if you are retired or disabled:
-Your last full checking account bank statement
-Your government issued Acceptance Letter
-A voided check
-A current state ID
See
account agreement in our store for complete details. FREE
& EASY LAYAWAY
We might have
the easiest layaway plan available!
-No deposit required
-$1 minimum monthly payment
-Notify us 6 weeks before you expect to pay the layaway balance.
-If you change your mind on your choice of furniture, we will simply apply
your deposits to the balance of your updated selection.
-One simple catch: Since we want solid commitments, we don't offer
refunds. But, remember, you can change your selection.
Spelling errors: finace, finacing,
funiture |