No Credit? Bad Credit? No Problem! We have the right loan for your furniture selections.

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.

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.

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36-MONTH INTEREST-FREE FINANCING

Available to qualified buyers with purchases above $2000. You may pay the unpaid balance of the cash price in full within 36 months from the contract date with no finance charges if you pay all scheduled payments in full and on time plus any remaining balance of the amount financed remaining after deducting all scheduled payments made. If you do not pay the amount financed in full in this period or fail to make any scheduled payment in full and on time, 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. This offer cannot be combined with other offers, such as special pricing offers. Specifically, this offer  is only available on in-store regular pricing, and more specifically, internet pricing as well as sale pricing is specifically excluded.

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Choose Cole Furniture for Style, Beauty, Comfort, Quality, Selection & Savings. We're Here for You!
Dreams do come true. Make your home, your dream home. We can help. Bring pictures of the rooms you would like to
change and, maybe, some magazine photos or online printouts that inspire you. We would love to help you fulfill your dream.